<SEC-DOCUMENT>0001030469-20-000012.txt : 20200317
<SEC-HEADER>0001030469-20-000012.hdr.sgml : 20200317
<ACCEPTANCE-DATETIME>20200316181936
ACCESSION NUMBER:		0001030469-20-000012
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20191231
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200317
DATE AS OF CHANGE:		20200316

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OFG BANCORP
		CENTRAL INDEX KEY:			0001030469
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				660538893
		STATE OF INCORPORATION:			PR
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12647
		FILM NUMBER:		20718620

	BUSINESS ADDRESS:	
		STREET 1:		254 MU?OZ RIVERA AVENUE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00918
		BUSINESS PHONE:		7877716800

	MAIL ADDRESS:	
		STREET 1:		254 MU?OZ RIVERA AVENUE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00918

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ORIENTAL FINANCIAL GROUP INC
		DATE OF NAME CHANGE:	19970110
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K/A
<SEQUENCE>1
<FILENAME>ofg8kascotiabankpurch.htm
<DESCRIPTION>FORM 8-K/A
<TEXT>

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 <p style="border:none;margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:115%;">Click here to enter text.</font><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;">&nbsp;</font></p>

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<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">UNITED
STATES</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">SECURITIES AND EXCHANGE COMMISSION</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">WASHINGTON, DC 20549</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">____________________________</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">FORM 8-K/A</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">_________________________</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">CURRENT REPORT<br>
Pursuant to Section&nbsp;13 or 15(d) of the<br>
Securities Exchange Act of 1934</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Date of Report (Date of earliest event reported): December
31, 2019</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:normal;">OFG
BANCORP</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">(Exact Name of Registrant as Specified in its Charter)</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="width:100%;">
 <tr style="height:.1in;">
  <td valign=bottom width=31% style="height:.1in;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=3% style="height:.1in;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=31% style="height:.1in;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="height:.1in;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=31% style="height:.1in;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=31% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Commonwealth of Puerto Rico </font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=31% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">001-12647 </font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=31% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">66-0538893</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=31% style="border:none;border-top:solid black 1.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp; </font></p>
  </td>
 <td width=3% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=31% style="border:none;border-top:solid black 1.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp; </font></p>
  </td>
 <td width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=31% style="border:none;border-top:solid black 1.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=31% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">(State or other Jurisdiction of
  Incorporation)</font></i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=31% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">(Commission File No.)</font></i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">
  &nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=31% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">(I.R.S. Employer<br>
  Identification No.)</font></i></p>
  </td>
 </tr>
<tr>
  <td colspan=3 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td colspan=3 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Oriental Center, 15<sup>th</sup> Floor</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td colspan=3 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">254 Mu&#241;oz Rivera Avenue</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td colspan=3 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San Juan, Puerto Rico</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">00918</font></p>
  </td>
 </tr>
<tr>
  <td colspan=3 valign=top width=47% style="border:none;border-top:solid black 1.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp; </font></p>
  </td>
 <td width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=48% style="border:none;border-top:solid black 1.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td colspan=3 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">(Address of Principal Executive Offices)</font></i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">
  &nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">(Zip Code)</font></i></p>
  </td>
 </tr>
<tr height=0>
  <td width=31% style="border:none;">&nbsp;</td>
 <td width=3% style="border:none;">&nbsp;</td>
 <td width=13% style="border:none;">&nbsp;</td>
 <td width=5% style="border:none;">&nbsp;</td>
 <td width=13% style="border:none;">&nbsp;</td>
 <td width=4% style="border:none;">&nbsp;</td>
 <td width=31% style="border:none;">&nbsp;</td>
 </tr>
</table>


</div>


<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Registrant&#8217;s telephone number, including area code:
(787)&nbsp;771-6800</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(Former Name or Former Address, if Changed Since Last
Report): Not applicable </font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Check
the appropriate box below if the Form 8-K filing is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions: </font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="width:100%;">
 <tr>
  <td width=6% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=1% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=93% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td nowrap valign=top width=6% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9744;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=93% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Written communications pursuant to Rule&nbsp;425 under the
  Securities Act (17 CFR 230.425)</font></p>
  </td>
 </tr>
<tr>
  <td width=6% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=1% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=93% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td nowrap valign=top width=6% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9744;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=93% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Soliciting material pursuant to Rule&nbsp;14a-12 under the
  Exchange Act (17 CFR 240.14a-12)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="display:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="width:100%;">
 <tr style="height:12.4pt;">
  <td width=6% style="height:12.4pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:12.4pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=94% style="height:12.4pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:26.2pt;">
  <td nowrap valign=top width=6% style="height:26.2pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9744;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="height:26.2pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=94% style="height:26.2pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Pre-commencement communications pursuant to Rule&nbsp;14d-2(b)
  under the Exchange Act (17 CFR 240.14d-2(b))</font></p>
  </td>
 </tr>
<tr style="height:12.15pt;">
  <td nowrap valign=top width=6% style="height:12.15pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9744;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="height:12.15pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=94% style="height:12.15pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Pre-commencement communications pursuant to Rule&nbsp;13e-4(c)
  under the Exchange Act (17 CFR 240.13e-4(c))</font></p>
  </td>
 </tr>
</table></div>



<p style="background:white;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:12.0pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Securities
registered pursuant to Section&nbsp;12(b) of the Act:</font></p>

<p style="background:white;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="background:white;border-collapse:collapse;width:100%;">
 <tr>
  <td width=34% style="padding:0in 0in 0in 0in;">&nbsp;</td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">&nbsp;</td>
 <td style="padding:0in 0in 0in 0in;">&nbsp;</td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">&nbsp;</td>
 <td style="padding:0in 0in 0in 0in;">&nbsp;</td>
 </tr>
<tr>
  <td nowrap valign=bottom width=34% style="border:none;border-bottom:solid black 1.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:1.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;line-height:normal;">Title of each class</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:1.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;line-height:normal;">Trading<br>
  Symbol(s)</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=bottom style="border:none;border-bottom:solid black 1.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:1.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;line-height:normal;">Name of each exchange<br>
  on which registered</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=34% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">Common shares, par value
  $1.00 per share</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=top style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">OFG</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=top style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">New York Stock Exchange</font></b></p>
  </td>
 </tr>
<tr style="height:6.0pt;">
  <td width=34% style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 <td colspan=2 style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 <td colspan=2 style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 </tr>
<tr>
  <td valign=top width=34% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">7.125%
  Noncumulative Monthly Income Preferred Stock, Series A ($25.00 liquidation
  preference per share)</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=top style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">OFG.PRA</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=top style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">New York Stock Exchange</font></b></p>
  </td>
 </tr>
<tr style="height:6.0pt;">
  <td width=34% style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 <td colspan=2 style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 <td colspan=2 style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 </tr>
<tr>
  <td valign=top width=34% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">7.0% Noncumulative Monthly
  Income Preferred Stock, Series B ($25.00 liquidation preference per share)</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=top style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">OFG.PRB</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=top style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">New York Stock Exchange</font></b></p>
  </td>
 </tr>
<tr style="height:6.0pt;">
  <td width=34% style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 <td colspan=2 style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 <td colspan=2 style="height:6.0pt;padding:0in 0in 0in 0in;">&nbsp;</td>
 </tr>
<tr>
  <td valign=top width=34% style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">7.125% Noncumulative
  Perpetual Preferred Stock, Series D ($25.00 liquidation preference per share)</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=top style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">OFG.PRD</font></b></p>
  </td>
 <td valign=bottom style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>
  </td>
 <td valign=top style="padding:0in 0in 0in 0in;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:normal;">New York Stock Exchange</font></b></p>
  </td>
 </tr>
</table>


</div>

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 <p style="border:none;margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:115%;">Click here to enter text.</font><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;">&nbsp;</font></p>

</DIV>
<div align=center></div>

<p style="background:white;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:12.0pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Indicate
by check mark whether the registrant is an emerging growth company as defined
in Rule 405 of the Securities Act of 1933 (17 CFR &#167;230.405) or
Rule&nbsp;12b-2&nbsp;of the Securities Exchange Act of 1934 (17
CFR&nbsp;&#167;240.12b-2).</font></p>

<p style="background:white;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:12.0pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">Emerging
growth company&nbsp;&nbsp;</font><font color=black face="Segoe UI Symbol,sans-serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#9744;&nbsp;</font></p>

<p style="background:white;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:12.0pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">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&nbsp;13(a) of the
Exchange Act.&nbsp;&nbsp;</font><font color=black face="Segoe UI Symbol,sans-serif" lang=EN-US style="font-size:10.0pt;line-height:normal;">&#9744;&nbsp;</font></p>

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<p align=center style="background:white;margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Explanatory Note for Amendment No. 1 to
the Current Report on Form 8-K</font></b></p>

<p align=center style="background:white;margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">for the Event
Date of December 31, 2019</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">On December 31, 2019, OFG Bancorp
(&#8220;Oriental&#8221;) filed a Current Report on Form 8-K (the &#8220;Original Form 8-K&#8221;) to
report that its wholly owned subsidiary, Oriental Bank (the &#8220;Bank&#8221;), completed
the acquisition of </font><font color=black face="Times New Roman,serif" lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">Scotiabank de Puerto Rico
(&#8220;SBPR&#8221;), and the acquisition of certain assets and assumption of certain
liabilities of the U.S. Virgin Islands banking operations of The Bank of Nova
Scotia (&#8220;BNS&#8221;) and of certain loans and other assets, and assumption of certain
liabilities, from BNS&#8217;s Puerto Rico branch</font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;"> (the &#8220;Scotiabank
Acquisition&#8221;). This Current Report on Form 8-K/A amends and supplements Item
9.01(a) and 9.01(b) of the original Form 8-K to provide financial statements
and pro forma financial information required by such items, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" lang=EN-US style="background:white;font-size:10.0pt;line-height:115%;">Pursuant to a waiver
granted by the Securities and Exchange Commission to Oriental on July 24, 2019,
Oriental omitted certain financial information for the acquired assets and
liabilities of the USVI and Puerto Rico branches of BNS</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&nbsp;</font></p>


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 <p style="border:none;margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:115%;">Click here to enter text.</font><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;">&nbsp;</font></p>

</DIV>
<p style="background:white;margin:0in;margin-bottom:.0001pt;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item
9.01 &#8212; Financial Statements and Exhibits.</font></b></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="background:white;margin-bottom:.0001pt;margin-left:24.5pt;margin-right:0in;margin-top:6.0pt;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(a) Financial Statements of Business Acquired.</font></b></p>

<p style="background:white;margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:12.0pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The audited
consolidated financial statements of SBPR and Subsidiary as of October 31, 2019
and 2018 and for the three-year period ended October 31, 2019, and the notes
related thereto, are filed as Exhibit 99.1 hereto and incorporated by reference
herein.</font></p>

<p style="background:white;margin-bottom:.0001pt;margin-left:24.5pt;margin-right:0in;margin-top:6.0pt;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#160;(b) Pro Forma Financial Statements.</font></b></p>

<p style="background:white;margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:6.0pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The unaudited pro forma
condensed combined statement of operations for the year ended December 31, 2019
is filed as Exhibit&nbsp;99.2 hereto and incorporated herein by reference. </font></p>

<p style="background:white;margin-bottom:.0001pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></b></p>

<p style="background:white;margin-bottom:.0001pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(c) Exhibits</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=2% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=2% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=78% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=2% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=2% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><a href="ofg8ka231.htm" style="-sec-extract:exhibit"><u><font color=blue face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Exhibit
  23.1</font></u></a></p>
  </td>
 <td valign=top width=78% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Consent of independent
  registered public accounting firm.</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=2% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=2% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><a href="ofg8kaex991.htm" style="-sec-extract:exhibit"><u><font color=blue face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Exhibit
  99.1</font></u></a></p>
  </td>
 <td valign=top width=78% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Audited financial
  statements of Scotiabank de Puerto Rico and Subsidiary as of October 31, 2019
  and 2018 and for the three-year period ended October 31, 2019.</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=2% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=2% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><a href="ofg8kaex992.htm" style="-sec-extract:exhibit"><u><font color=blue face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Exhibit
  99.2</font></u></a></p>
  </td>
 <td valign=top width=78% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:10.0pt;margin-left:.25in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Unaudited pro forma condensed
  combined financial information for the year ended December 31, 2019.</font></p>
  </td>
 </tr>
</table></div>




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 <p style="border:none;margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;line-height:115%;">Click here to enter text.</font><font style="border:none;mso-ascii-font-family:Calibri;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-hansi-font-family:Calibri;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Pursuant to the requirements of the Securities
Exchange Act of 1934, Oriental has duly caused this report to be signed on its
behalf by the undersigned hereunto duly authorized.</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Date: March 16, 2020</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:229.5pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">OFG
BANCORP </font></p>

<p style="margin-bottom:10.0pt;margin-left:229.5pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:229.5pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">By:</font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">
/s/ Carlos O. Souffront_________________________ </font></u></p>

<p style="margin-bottom:10.0pt;margin-left:229.5pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&#160;&#160;&#160;&#160;&#160;
Carlos O. Souffront </font></p>

<p style="margin-bottom:10.0pt;margin-left:229.5pt;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&#160;&#160;&#160;&#160;&#160;
General Counsel and Secretary of Board of Directors</font></p>




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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>2
<FILENAME>ofg8ka231.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>

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<head>
<meta content="text/html; charset=utf-8" />


<title>ORIENTAL FINANCIAL GROUP INC</title>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">EXHIBIT
23.1</font></b></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:20.0pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">Consent
of Independent Auditors </font></b></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">The
Board of Directors<br>
OFG Bancorp:</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">We
consent to the incorporation by reference in the registration statements (No.
333-191603, 333-170064, 333-147727, 333-102696, 333-57052, and 333-84473) on
Forms S-8 of OFG Bancorp of our report dated January 30, 2020, with respect to
the consolidated balance sheets of Scotiabank de Puerto Rico and subsidiary as
of October&nbsp;31, 2019 and 2018, the related consolidated statements of
operations, comprehensive income (loss), changes in stockholder&#8217;s equity, and
cash flows for each of the years in the three-year period ended
October&nbsp;31, 2019, and the related notes, which report appears in the Form
8&#8209;K/A of OFG Bancorp dated March&nbsp;16, 2020.</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:10.0pt;"><font color=black face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:12.0pt;">/s/ KPMG LLP</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:10.0pt;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:12.0pt;">San
Juan, Puerto Rico<br>
March 16, 2020</font></p>

<p style="margin-bottom:6.0pt;margin-left:0in;margin-right:0in;margin-top:63.0pt;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:normal;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><b><font color=black face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;">&nbsp;</font></b></p>




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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>ofg8kaex991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>

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<head>
<meta content="text/html; charset=utf-8" />


<title>ORIENTAL FINANCIAL GROUP INC</title>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p align=right style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="background:white;font-size:10.0pt;text-transform:uppercase;">Exhibit 99.1</font></b></p>

<p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:237.0pt;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;text-transform:uppercase;">SCOTIABANK DE PUERTO RICO
AND SUBSIDIARY</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(A Wholly Owned Subsidiary
of the Bank of Nova Scotia)</font></p>

<p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:12.0pt;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Consolidated Financial
Statements</font></p>

<p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:12.0pt;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of October&nbsp;31, 2019
and 2018, and for each of the years in the three-year period ended October 31,
2019</font></p>

<p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:12.0pt;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(With Independent Auditors&#8217;
Report Thereon)</font></p>

<p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:12.0pt;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>










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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;"><font face=Calibri,sans-serif lang=EN-US style="font-size:12.0pt;line-height:115%;"></font></font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Independent
Auditors&#8217; Report</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#160;&nbsp;</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
Board of Directors </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Scotiabank
de Puerto Rico: </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Report
on the Financial Statements </font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">We
have audited the accompanying consolidated financial statements of Scotiabank
de Puerto Rico and subsidiary (the Bank), (a wholly owned subsidiary of the
Bank of Nova Scotia), which comprise the consolidated balance sheets as of
October 31, 2019 and 2018, and the related consolidated statements of
operations, comprehensive income (loss), changes in stockholder&#8217;s equity, and
cash flows for each of the years in three-year period ended October 31, 2019,
and the related notes to the consolidated financial statements. </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Management&#8217;s
Responsibility for the Financial Statements </font></i></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Management
is responsible for the preparation and fair presentation of these consolidated
financial statements in accordance with U.S. generally accepted accounting
principles; this includes the design, implementation, and maintenance of
internal control relevant to the preparation and fair presentation of
consolidated financial statements that are free from material misstatement,
whether due to fraud or error. </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></i></p>

<p style="margin:0in;margin-bottom:.0001pt;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Auditors&#8217;
Responsibility </font></i></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Our
responsibility is to express an opinion on these consolidated financial
statements based on our audits.We conducted our audits in accordance with
auditing standards generally accepted in the United States of America. Those
standards require that we plan and perform the audit to obtain reasonable
assurance about whether the consolidated financial statements are free from
material misstatement. </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">An
audit involves performing procedures to obtain audit evidence about the amounts
and disclosures in the consolidated financial statements. The procedures
selected depend on the auditors&#8217; judgment, including the assessment of the
risks of material misstatement of the consolidated financial statements, whether
due to fraud or error. In making those risk assessments, the auditor considers
internal control relevant to the entity&#8217;s preparation and fair presentation of
the consolidated financial statements in order to design audit procedures that
are appropriate in the circumstances. An audit also includes evaluating the
appropriateness of accounting policies used and the reasonableness of
significant accounting estimates made by management, as well as evaluating the
overall presentation of the consolidated financial statements. </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">We
believe that the audit evidence we have obtained is sufficient and appropriate
to provide a basis for our audit opinion. </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></i></p>

<p style="margin:0in;margin-bottom:.0001pt;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Opinion
</font></i></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In
our opinion, the consolidated financial statements referred to above present
fairly, in all material respects, the financial position of Scotiabank de
Puerto Rico and subsidiary as of October 31, 2019 and 2018, and the results of
their operations and their cash flows for each of the years in the three-year
period ended October 31, 2019 in accordance with U.S. generally accepted
accounting principles. </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></i></p>

<p style="margin:0in;margin-bottom:.0001pt;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Report
on Internal Control Over Financial Reporting </font></i></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">We
also have audited, in accordance with auditing standards generally accepted in
the United States of America, the Bank&#8217;s internal control over financial
reporting as of December 31, 2019, based criteria established in </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Internal
Control &#8211; Integrated Framework (2013) </font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">issued by the Committee of Sponsoring
Organizations of the Treadway Commission (COSO) and our report dated January
29, 2020 expressed an unmodified opinion on the effectiveness of the Bank&#8217;s
internal control over financial reporting. </font></p>




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<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;">/s/ KPMG LLP</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;">San
Juan, Puerto Rico </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">January
30, 2020 </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Stamp No. E392042 of the
Puerto Rico </font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Society of
Certified Public Accountants</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;was affixed to
the record copy of this report.</font></p>

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<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>




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</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">SCOTIABANK
  DE PUERTO RICO AND SUBSIDIARY</font></b></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(A Wholly
  Owned Subsidiary of the Bank of Nova Scotia)</font></b></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consolidated
  Balance Sheets</font></b></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October
  31, 2019 and 2018</font></b></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Assets</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash on hand and due from banks</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  662,469,938 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  348,345,568 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Restricted time deposits</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  400,000 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  400,000 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Investment securities available for sale, at fair value, with an
  amortized cost of</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$653,684,218 (2018 - $1,139,685,211)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  655,357,450 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,122,931,517 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=9 nowrap valign=bottom width=26% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loans:</font></p>
  </td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered mortgage loans held for sale at lower of cost or fair
  value</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  12,978,254 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  18,729,439 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Covered loans, net of allowance for loan and lease losses of $0</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=35% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(2018 &#8211; $119,146,717)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  923,575,104 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered loans, net of allowance for loan and lease losses of
  $106,838,000</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=35% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(2018 &#8211; $130,944,643)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,980,048,872 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,333,560,106 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=17% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total loans, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="border:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,993,027,126 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="border:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,275,864,649 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Premises and equipment, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,357,384 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  9,572,157 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued interest receivable</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,313,703 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  8,848,709 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Covered other real estate owned</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,651,988 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered other real estate owned</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  21,228,408 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  20,675,950 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">FDIC loss share indemnification asset</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  38,199,916 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred tax asset, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  32,915,651 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  69,312,817 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other assets</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  135,931,132 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  145,633,514 </font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=17% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total assets</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=23% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  3,515,000,792 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  4,047,436,785 </font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Liabilities
  and Stockholder&#8217;s Equity</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=14 nowrap valign=bottom width=41% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deposits:</font></p>
  </td>
 <td nowrap valign=bottom width=8% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noninterest bearing</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  531,458,759 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  581,945,160 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest bearing</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,131,891,959 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,360,816,142 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=17% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total deposits</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="border:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,663,350,718 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="border:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,942,761,302 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued interest payable</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  8,869,063 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  8,052,441 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other liabilities</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  112,753,226 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  168,647,849 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=17% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total liabilities</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,784,973,007 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  3,119,461,592 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Stockholder&#8217;s equity:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Capital stock:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=35% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cumulative first preferred shares</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=35% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncumulative second preferred shares</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,323,370 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,323,370 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=35% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Common stock</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  224,000,000 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  224,000,000 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=35% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Additional paid-in capital</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  319,625,168 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  319,625,168 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Surplus reserve</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  84,258,842 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  75,354,268 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Undivided profits</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  98,294,481 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  318,153,317 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=12 nowrap valign=bottom width=42% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accumulated other comprehensive income (loss), net of tax</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  525,924 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (12,480,930)</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=17% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total stockholder&#8217;s equity</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="border:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  730,027,785 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="border:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  927,975,193 </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=15 nowrap valign=bottom width=49% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commitments and contingencies</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.5pt;">
  <td colspan=3 nowrap valign=bottom width=7% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=7% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=6% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=17% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total liabilities and stockholder&#8217;s equity</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=23% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  3,515,000,792 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  4,047,436,785 </font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td colspan=24 nowrap valign=bottom width=100% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">See
  accompanying notes to consolidated financial statements.</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">SCOTIABANK DE PUERTO RICO AND SUBSIDIARY</font></b></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(A Wholly Owned
  Subsidiary of the Bank of Nova Scotia)</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consolidated
  Statements of Operations</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">For the years ended
  October 31, 2019, 2018 and 2017</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,019 </font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,018 </font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,017 </font></b></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=12 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest
  income:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered
  loans, including fees</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  86,456,858 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  81,499,209 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  88,880,993 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Covered
  loans, including fees</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  45,154,401 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  77,930,404 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  98,741,291 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest-bearing
  deposits with other banks</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  8,241,399 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,503,533 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,072,864 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Investment
  securities</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  23,481,182 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  16,294,102 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,623,023 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total
  interest income</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  163,333,840 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  183,227,248 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  197,318,171 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=12 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest
  expense:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deposits</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  17,983,140 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  19,296,607 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  20,093,955 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other</font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  54 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  88 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total
  interest expense</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  17,983,140 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  19,296,661 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  20,094,043 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net
  interest income</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  145,350,700 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  163,930,587 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  177,224,128 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=12 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Reversal
  of) provision for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (13,174,775)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  12,230,705 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  79,385,552 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net
  interest income after </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  158,525,475 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  151,699,882 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  97,838,576 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=12 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noninterest
  income (loss):</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Gain
  on sale of investment securities available for sale</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,425,821 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Loss)
  gain on derivative transactions</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,119)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,118)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  145,739 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fees,
  service charges, and other commissions</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  23,143,636 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  23,787,222 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  25,472,598 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Mortgage
  banking activities, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  13,096,299 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  11,673,952 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  19,187,447 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Insurance
  commissions</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  4,176,016 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  4,345,302 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  4,535,377 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accretion
  of FDIC indemnification asset</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  40,181,708 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  22,264,105 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  13,872,080 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Gain
  (loss) of other real estate owned operations, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  412,216 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  472,092 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,047,998)</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other</font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,326,316 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,000,094 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,318,874 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total
  noninterest income</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  89,759,893 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  67,541,649 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  63,484,117 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  248,285,368 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  219,241,531 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  161,322,693 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=12 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noninterest
  expenses:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Compensation
  and employee benefits</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  53,443,380 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  56,898,742 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  57,139,202 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Occupancy
  and other office expenses</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  14,267,610 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  16,401,973 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  17,481,091 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Data
  processing and other related charges</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  23,146,133 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  22,896,184 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  23,586,500 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">FDIC
  insurance and other supervisory fees</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  750,151 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,797,610 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,867,168 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Taxes,
  other than income</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,546,167 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,757,133 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  8,283,826 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Advertising
  and business promotion</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,046,087 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,656,451 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,888,614 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Communication
  and postage</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,168,161 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,046,095 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,754,056 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Professional
  services</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  10,372,463 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  12,271,775 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  16,495,854 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other
  real estate owned and impaired loan expenses</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,722,438 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  14,360,225 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  14,168,222 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">FDIC
  loss share related expenses, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,755,116)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;(9,591,221)&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,174,423)</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Management
  fees</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,748,472 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,052,726 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,820,310 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Goodwill
  impairment</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  72,237,000 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=34% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Clawback
  provision</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (17,002,258)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,900,437)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  135,385 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other</font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,368,136 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  9,822,638 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,415,427 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total
  noninterest expenses</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  114,821,824 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  140,469,894 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  224,098,232 </font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Income
  (loss) before income tax expense</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  133,463,544 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  78,771,637 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (62,775,539)</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=12 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Income
  tax expense (benefit)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  44,417,806 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,134,537 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (18,728,876)</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=4% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=19% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net
  income (loss)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td colspan=4 nowrap valign=bottom width=19% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  89,045,738 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  72,637,100 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (44,046,663)</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:15.75pt;">
  <td colspan=23 nowrap valign=bottom width=96% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">See accompanying
  notes to consolidated financial statements.</font></p>
  </td>
 <td width=4% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:12.0pt;">&nbsp;</font></p></td>
 </tr>
<tr height=0>
  <td width=2% style="border:none;">&nbsp;</td>
 <td width=4% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=3% style="border:none;">&nbsp;</td>
 <td width=4% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=3% style="border:none;">&nbsp;</td>
 <td width=3% style="border:none;">&nbsp;</td>
 <td width=6% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=5% style="border:none;">&nbsp;</td>
 <td width=4% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=3% style="border:none;">&nbsp;</td>
 <td width=8% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=6% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=15% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=16% style="border:none;">&nbsp;</td>
 <td width=4% style="border:none;">&nbsp;</td>
 </tr>
</table></div>




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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>




<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_6"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;"><font face=Calibri,sans-serif lang=EN-US style="font-size:12.0pt;line-height:115%;"></font></font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">SCOTIABANK
  DE PUERTO RICO AND SUBSIDIARY</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(A Wholly
  Owned Subsidiary of the Bank of Nova Scotia)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consolidated
  Statements of Comprehensive Income (Loss)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">For the
  years ended October 31, 2019, 2018 and 2017</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net income (loss)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">89,045,738 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">72,637,100 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(44,046,663)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other comprehensive income (loss):</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unrealized gain (loss) on investment securities available for
  sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">21,852,747 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(9,810,095)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(5,644,333)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued postretirement benefit obligation</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(904,469)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,262,015 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,247,675 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unrealized (loss) gain on cash flow hedges</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(2,123,739)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">729,300 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,340,309 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Reclassification of gain (loss) included in net income (loss)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(3,241,363)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">113,082 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">83,170 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">15,583,176 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(7,705,698)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,026,821 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Less tax effect:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unrealized (loss) gain on investment securities available for
  sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(3,685,385)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,962,019 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,128,866 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued postretirement benefit obligation</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">352,743 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(492,186)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(1,656,593)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unrealized net gain (loss) on cash flow hedges</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">756,320 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(328,529)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(945,157)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(2,576,322)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,141,304 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(1,472,884)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=20% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other comprehensive income (loss), net of tax</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">13,006,854 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(6,564,394)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(446,063)</font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=20% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Comprehensive income (loss)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">102,052,592 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">66,072,706 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(44,492,726)</font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">See
  accompanying notes to consolidated financial statements.</font></p>
  </td>
 </tr>
</table></div>



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<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=21 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">SCOTIABANK
  DE PUERTO RICO AND SUBSIDIARY</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=21 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(A Wholly
  Owned Subsidiary of the Bank of Nova Scotia)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=21 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consolidated
  Statements of Changes in Stockholder&#8217;s Equity</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=21 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">For the
  years ended October 31, 2019, 2018 and 2017</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accumulated</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncumulative</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">other</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">second</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">comprehensive</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">preferred</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Common</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Additional</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Surplus</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Undivided</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(loss)
  income,</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">stockholder&#8217;s</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">shares</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">stock</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">paid-in
  capital</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">reserve</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">profits</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">net
  of tax</font></b></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">equity</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance, October 31, 2016</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,323,370 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  224,000,000 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  319,625,168 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  68,090,558 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  296,826,590 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,470,473)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  906,395,213 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=5 nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net loss</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (44,046,663)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;(44,046,663)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Transfer to surplus reserve</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;-&#160;&#160; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other comprehensive loss, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (446,063)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (446,063)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance, October 31, 2017</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,323,370 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  224,000,000 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  319,625,168 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  68,090,558 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  252,779,927 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,916,536)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  861,902,487 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net income</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160; &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  72,637,100 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  72,637,100 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Transfer to surplus reserve</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160; &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,263,710 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (7,263,710)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other comprehensive loss, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,564,394)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,564,394)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance, October 31, 2018</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,323,370 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  224,000,000 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  319,625,168 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  75,354,268 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  318,153,317 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (12,480,930)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  927,975,193 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net income</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  89,045,738 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;89,045,738 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Transfer to surplus reserve</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  8,904,574 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (8,904,574)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash dividends paid on common stock</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (299,800,598)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (299,800,598)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash dividends paid on preferred stock </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (199,402)</font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (199,402)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other comprehensive income, net</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  13,006,854 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  13,006,854 </font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td colspan=7 nowrap valign=bottom width=21% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance, October 31, 2019</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,323,370 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  224,000,000 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  319,625,168 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  84,258,842 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  98,294,481 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  525,924 </font></p>
  </td>
 <td nowrap valign=bottom width=1% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  730,027,785 </font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td colspan=21 nowrap valign=bottom width=100% style="height:24.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">See
  accompanying notes to consolidated financial statements.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:15.0pt;page-break-inside:avoid;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">SCOTIABANK
  DE PUERTO RICO AND SUBSIDIARY</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(A Wholly
  Owned Subsidiary of the Bank of Nova Scotia)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consolidated
  Statements of Cash Flows</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">For the
  years ended October 31, 2019, 2018 and 2017</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash flows from operating activities:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net income (loss)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  89,045,738 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  72,637,100 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (44,046,663)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=8 nowrap valign=bottom width=64% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Adjustments to reconcile net income (loss) to net cash (used in)
  provided by operating activities:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Depreciation and amortization on premises and equipment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,021,691 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,663,619 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,314,311 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Gain on sale of other real estate owned</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,925,372)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,350,318)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,086,295)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization of premium on investment securities, net</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,893,738)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (561,647)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  755,493 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization of other intangibles</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  410,985 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,273,611 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,374,744 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fair value adjustments of servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,306,082 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,137,894 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,826,414 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization of deferred loan origination fees, net</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (752,685)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (444,484)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (262,120)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred income tax expense</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  33,820,844 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,032,619 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (18,789,713)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Reversal of) provision for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (13,174,775)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  12,230,705 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  79,385,552 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fair value adjustments of other real estate owned</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,618,340 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  4,878,226 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  10,134,293 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Acquisitions of mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (14,758,276)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (13,054,273)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (29,558,022)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Origination of mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (106,773,277)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (86,964,490)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (126,483,621)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Proceeds from sales of mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  134,642,942 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  116,178,181 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  232,778,361 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Gain on sale of mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,398,092)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,888,426)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (8,607,653)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accretion of recourse liability</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (46,927)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (46,927)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (55,183)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Goodwill impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  72,237,000 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accretion of FDIC loss share indemnification asset</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (40,181,708)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (22,264,105)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (13,872,080)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Amortization) accretion of clawback provision</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (17,002,258)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,900,437)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  135,385 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization of accretable yield on loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (77,032,480)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (98,482,841)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (119,698,907)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Gain on sale of investment securities available for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (3,425,821)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Gain) loss on disposition of premises and equipment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (45,559)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  41,604 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=40% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Changes in operating assets and liabilities:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Decrease (increase) in accrued interest receivable</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,535,006 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (953,635)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,787,197)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Decrease (increase) in other assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  4,679,410 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  4,937,379 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (25,610,111)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Increase in accrued interest payable</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  816,622 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  750,547 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,464,330 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Decrease) increase in other liabilities</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (41,689,188)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  25,806,410 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,524,682 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=24% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total adjustments</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (137,202,675)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (59,067,951)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  56,161,267 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=24% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net cash (used in) provided by operating activities</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (48,156,937)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  13,569,149 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  12,114,604 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash flows from investing activities:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchases of investment securities available for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (118,685,281)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (787,883,094)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (231,696,272)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Proceeds from sale of investment securities available for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  186,787,049 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Redemptions of investment securities available for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  423,218,784 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  257,497,919 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  93,138,805 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net decrease in loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  344,778,077 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  330,945,988 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  492,842,055 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchases of servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,500,040)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (673,183)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Premises and equipment, net of disposals</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (806,918)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,675,000)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,419,956)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Proceeds from sale of other real estate owned</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  28,018,556 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  51,105,835 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  40,011,535 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loss share agreements reimbursements from the FDIC</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  78,381,624 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  87,524,710 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  34,454,850 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=24% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net cash provided by (used in) investing activities</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  941,691,891 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (63,983,682)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  426,657,834 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash flows from financing activities:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net decrease in deposits</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (279,410,584)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (105,315,050)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (119,142,690)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash dividends paid</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (300,000,000)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  -&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=24% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net cash used in financing activities</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (579,410,584)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (105,315,050)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (119,142,690)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=24% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net increase (decrease) in cash on hand and due from branks</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  314,124,370 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (155,729,583)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  319,629,748 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash on hand and due from banks, beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  348,345,568 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  504,075,151 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  184,445,403 </font></p>
  </td>
 </tr>
<tr style="height:15.75pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash on hand and due from banks, end of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  662,469,938 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  348,345,568 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  504,075,151 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">SCOTIABANK
  DE PUERTO RICO AND SUBSIDIARY</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(A Wholly
  Owned Subsidiary of the Bank of Nova Scotia)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consolidated
  Statements of Cash Flows</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">For the
  years ended October 31, 2019, 2018 and 2017</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Supplemental disclosures of non-cash investing and financing
  activities:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest paid</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  17,166,518 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  18,546,114 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  18,629,713 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other real estate owned acquired through foreclosure</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  21,723,183 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  26,311,812 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  48,656,161 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Change in unrealized gain (loss) on investment securities
  available</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=30% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">for sale, net of taxes</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  14,741,541 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (7,848,076)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (4,515,467)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Transfer of loans receivable to mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,545,017 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  9,713,835 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  16,239,381 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Change in accrued postretirement benefit obligation recognized
  in</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=30% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">accumulated other comprehensive loss, net of taxes</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (551,726)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  769,829 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,591,082 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Transfer from other real estate owned to loans receivable and</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">other</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,111,190 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,626,500 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  4,040,800 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Change in unrealized (loss) gain on cash flow hedges, net of
  taxes</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,182,962)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  400,771 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;1,395,152 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=13 nowrap valign=bottom width=100% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">See
  accompanying notes to consolidated financial statements.</font></p>
  </td>
 </tr>
</table></div>



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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(1)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Organization&nbsp;</font></b></p>

<p style="background:white;margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Scotiabank de Puerto Rico (the&nbsp;Bank) is a banking corporation
organized under the banking laws of the Commonwealth of Puerto Rico. The Bank
of Nova Scotia &#8211; Puerto Rico Branch (BNS PR) is the sole holder of the Bank&#8217;s
common shares and noncumulative second&nbsp;preferred shares. The Bank has one
wholly owned subsidiary, Scotia Insurance de Puerto Rico LLC (SIPR), an
insurance agency and&#160; a limited liability company (LLC) organized and existing
under the laws of the Commonwealth of Puerto Rico. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank is engaged in
providing a wide range of services through its commercial and retail lending
divisions. The Bank also conducts mortgage banking activities, which primarily
consist of the origination and purchase of residential mortgage loans for the
Bank&#8217;s own portfolio. If conditions so warrant, the Bank may engage in the sale
of such loans to other financial institutions in the secondary market or in
securitizations with government&#8209;sponsored entities.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The deposits of the Bank are
insured up to the maximum levels permitted by the Federal Deposit Insurance
Corporation (FDIC). The FDIC and the Office of the Commissioner of Financial
Institutions of the Commonwealth of Puerto Rico (the&nbsp;Commissioner) have
regulatory and examination authority over the Bank.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On April&nbsp;30, 2010, the
Bank acquired certain assets and assumed certain deposits and other liabilities
of R&#8209;G Premier Bank of Puerto Rico (R&#8209;G), headquartered in San
Juan, Puerto Rico, from the FDIC, as receiver for R&#8209;G pursuant to the
terms of a Purchase and Assumption agreement entered into by the Bank and the
FDIC on that date. This transaction is referred to as the &#8220;FDIC&#8209;assisted
transaction.&#8221; See note&nbsp;4 for additional disclosures related to the FDIC
assisted transaction.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On
June 26, 2019, The Bank of Nova Scotia (BNS), a banking corporation organized
under the laws of Canada, and Oriental Financial Group Bancorp and Oriental
Bank (Oriental) entered into a definitive Stock Purchase Agreement (the
Agreement) to purchase the shares of the Bank. The transaction contemplated by
the Agreement is subject to receipt of the requisite regulatory approvals, as
well as, the satisfaction of other customary conditions. The consideration
payable by Oriental to BNS at closing of the Agreement will be $550.0 million
in cash less any dividends paid by BNS after the execution of the Agreement but
on or prior to the closing date.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank operates an
International Banking Entity (IBE) pursuant to the International Banking Center
Regulatory Act of Puerto Rico, as amended, as a unit of the Bank. The IBE is
exempt from Puerto Rico income taxes as well as property and volume of business
taxes. The accompanying consolidated financial statements of the Bank include
the accounts of its IBE.</font></p>




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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">A summary of selected financial information for the IBE is as follows:</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;"><a name="RANGE!A1:K12"></a></td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=23% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=23% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">24,053,824&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">42,049,328&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total liabilities</font></p>
  </td>
 <td nowrap valign=bottom width=23% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">18,714,324&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unremitted earnings</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">24,053,824&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">23,335,004&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=23% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=23% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest income</font></p>
  </td>
 <td nowrap valign=bottom width=23% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">496,106 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,174,243 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,116,656 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest expense</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">214,787 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">397,045 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">262,095 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Reversal of) provision for loan losses</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(491,628)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(974,460)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">721,651 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noninterest income</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">997 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">21,815 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">38,124 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noninterest expense</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">55,124 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">54,995 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">50,151 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net income</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=23% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">718,820 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,718,478 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">120,883 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(2)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Natural disasters</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In September 2017,
Hurricanes Irma and Maria (the Hurricanes), impacted Puerto Rico, causing
extensive damage and disrupting operations of the Bank. Following the passage
of Hurricane Maria, all Puerto Rico was left without electrical power, other
basic utility and infrastructure services (such as water, communications, ports
and other transportation networks) were severely curtailed. As of October 31,
2019, electricity and water services have been restored to the clients of
Puerto Rico&#8217;s electric and water utilities, but the electric system remains
fragile. The damages caused by the Hurricanes are substantial and have had a
material adverse impact on economic activity in Puerto Rico. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following
summarizes the estimated impact on the Bank&#8217;s earnings for the years ended
October 31, 2018 and 2017 as a result of the impact caused by the Hurricanes
(in thousands). Natural disasters had no impact on the Bank&#8217;s operations during
2019.</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.95pt;">
  <td nowrap valign=bottom width=57% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td nowrap valign=bottom width=57% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Reversal of) provision for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (33,344)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  39,838 </font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td nowrap valign=bottom width=57% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Non interest income- Loss of other real estate owned operations</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  795 </font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td nowrap valign=bottom width=57% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Operating expenses:</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=57% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Compensation
  and employee benefits</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  848 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  328 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=57% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Occupancy
  and other office expenses</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,205 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  487 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=57% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Professional
  services</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  429 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=57% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other
  real estate owned and impaired loan expenses</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  19 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;&#160;- &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=57% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other
  expenses</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  956 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  50 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=57% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:10.0pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total
  operating expenses</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="border:none;border-top:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  4,457 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-top:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  865 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=57% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total estimated pre-tax hurricane (recovery) expenses</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (28,887)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  41,498 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provision for
Loan and Lease Losses</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Damages associated with the
Hurricanes impacted certain of the Bank&#8217;s asset quality measures, including
higher delinquencies and non-performing loans. An incremental provision expense
of $39.8 million was recorded to the allowance for loan and lease losses based
on management&#8217;s best estimate of the impact of the Hurricanes as of October 31,
2017 taking into consideration available information and the challenging
economic environment in Puerto Rico. As part of the process followed by the
Bank to assess the overall economic impact of the affected areas, the Bank
followed its current allowance for loans and leases losses methodology
incorporating additional information as to the possible impacts to be expected.
With respect to the commercial portfolio, loans officers&#8217; performed a reach-out
exercise to further assess the impact on individual commercial borrowers
focusing on large credit exposures which was used as a basis to estimate the
possible Hurricanes&#8217; impact. For retail portfolios, the loss estimates were
calculated </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_12"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">considering a range of reasonable possible
loss outcomes, based on a sensitivity analysis adjusting the Bank historical
data for changes that were expected to continue into the future, eliminating
and/or modifying factors in the past that no longer applied. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Management
continued to closely monitor the performance of hurricane-affected loan
customers, reviewed economic trends and their effect on credit quality in order
to determine allowance for loans and lease losses as of October 31, 2018. As a
result, the Bank recorded a net loan loss allowance reversal of $33.3 million
in connection with revised estimates associated with the effects of the
Hurricanes. In addition to updated assessments of financial performance and
repayment prospects of certain individually-assessed commercial credits and
updated payment patterns and probability of default credit risk analyses
applied to consumer borrowers that were subject to payment deferral programs,
the reserve releases in 2018 reflect the effect of payments received during
2018 that reduced the balance of the consumer and residential mortgage loan
portfolios outstanding on the dates of the Hurricanes. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank maintains insurance
for casualty losses as well as for disaster response costs and certain revenue
lost through business interruption. As of October 31, 2019, the Bank continues
the claim process with insurance carriers related to business interruption and
casualty losses.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(3)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Summary of Significant Accounting
Policies</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The preparation of the
consolidated financial statements in conformity with United States Generally
Accepted Accounting Principles (GAAP) requires management to make estimates and
assumptions relating to reporting of assets and liabilities and disclosure of
contingent assets and liabilities, at the date of the consolidated financial
statements, and the reported amounts of revenue and expenses during the
reporting periods. The accounting policies that have a significant impact on
the Bank&#8217;s consolidated financial statements and that require the most judgment
include those relating to the valuation of the FDIC loss share indemnification
asset, assumptions underlying the determination of the allowance for loan and
lease losses and of both the accretable yield and nonaccretable differences in
the acquired loans by the FDIC loss share agreements, evaluation of goodwill
and other intangible assets for impairment, the valuation of investment
securities and derivative instruments, evaluation of investment securities for
other&#8209;than&#8209;temporary impairment (OTTI), depreciation of premises
and equipment, the valuation of real estate acquired in connection with
foreclosure, accounting for uncertain tax positions, accounting for
contingencies, valuation allowance for deferred income tax assets, valuation of
servicing assets, and assets and obligations related to employee benefits.
Actual results could differ from those estimates. The current economic
environment in Puerto Rico has increased the degree of uncertainty inherent in
those estimates and assumptions.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following is a
description of the Bank&#8217;s most significant accounting policies:</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(a)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Principles of Consolidation</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The accompanying consolidated
financial statements include the accounts of the Bank and its wholly owned
subsidiary, SIPR. All intercompany transactions and balances have been
eliminated in consolidation.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(b)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Cash and Cash Equivalents</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For purposes of reporting
cash flows, cash and cash equivalents may include cash on hand, amounts due
from banks, and interest&#8209;bearing certificates of deposit with other banks
with original maturities of three&nbsp;months or less.&#160; </font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(c)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Restricted Time Deposits</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of October&nbsp;31, 2019
and 2018, as required by the International Bank Center Act, the IBE maintains a
$300,000 time deposit with a financial institution in Puerto Rico, which is
considered restricted.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In addition, certain laws and
regulations applicable to the Bank require funds to be assigned to custodial
accounts or invested in government obligations in order to be able to operate.
The Bank has $100,000 as of October&nbsp;31, 2019 and 2018 assigned in a
custodial account with a financial institution in Puerto Rico.</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(d)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Investment Securities</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Investment
securities are classified as held to maturity, trading, or available for sale
as follows:</font></p>

<p style="margin-bottom:6.0pt;margin-left:82.05pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Debt securities in which the Bank
has the positive intent and ability to hold until maturity are classified as
held to maturity and reported at amortized cost. At October 31, 2019 and 2018,
the Bank had no investment securities classified as held to maturity.</font></p>

<p style="margin-bottom:6.0pt;margin-left:82.05pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Investment securities classified
as trading securities are acquired and held principally for the purpose of
selling them in the near future. These investment securities are reported at
fair value with unrealized gains and losses included in earnings in the period
in which the changes occur. At October 31, 2019 and 2018, the Bank had no
trading securities.</font></p>

<p style="margin-bottom:10.0pt;margin-left:82.05pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Investment securities not
classified as either investments held to maturity or trading, and which have a
readily available fair value, are classified as investments available for sale
and reported at fair value, with unrealized gains and losses excluded from
earnings and reported, net of taxes, in accumulated other comprehensive income
(loss).</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The fair value of investment
securities is based on prices obtained from an independent nationally
recognized pricing service or quotations received from recognized securities
dealers and agreed by management. If quoted market prices are not available,
fair value is determined from various sources depending on the nature of the
investment, including valuation analyses prepared by third&nbsp;parties.
Management performs periodic analyses to evaluate the reasonableness of these
fair values. See note&nbsp;23 for additional disclosures related to the fair
value of the Bank&#8217;s financial instruments and other nonfinancial assets.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Transfers of investment
securities between categories are recorded at fair value at the date of
transfer. Unrealized holding gains and losses are recognized in operations for
transfers into trading securities. Unrealized holding gains or losses
associated with transfers of securities from held to maturity to available for
sale are recorded as a separate component of other comprehensive income (loss).
The unrealized holding gains or losses included in the separate component of
other comprehensive income (loss) for securities transferred from available for
sale to held to maturity are maintained and amortized into operations over the
remaining life of the security as an adjustment to yield in a manner consistent
with the amortization or accretion of premium or discount on the associated
security.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The amortization of premiums
or accretion of discounts is recorded as an adjustment to interest income using
the interest method over the terms of the investment securities. Net realized
gains or losses on sales of investment securities available for sale, and
unrealized loss valuation adjustments considered other than temporary, if any,
on securities classified available for sale or held to maturity are reported as
part of other noninterest income in the consolidated statements of operations.
The cost of investment securities sold is determined by specific
identification. Dividend and interest income are recognized when earned.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Purchases and sales of
investment securities are recorded at their trade date. Unsettled purchase
transactions are recorded as part of the Bank&#8217;s investment positions and as a
payable, while unsettled sales transactions are removed from the Bank&#8217;s
investment positions and recorded as a receivable. As of October 31, 2019 and
2018, there were no unsettled purchase or sale transactions within other
liabilities or other assets, respectively, in the accompanying consolidated
balance sheets.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Under the requirements of
Accounting Standards Codification (ASC)&nbsp;Topic&nbsp;320&#8209;10&#8209;35, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Investments
&#8211; Debt and Equity Securities &#8211; Subsequent Measurement</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, investment
securities are evaluated for OTTI declines in fair value. The Bank conducts
periodic reviews to identify and evaluate each investment security in an unrealized
loss position for OTTI. Once a decline in value is determined to be other than
temporary, the value of a debt security is reduced and a corresponding charge
to earnings is recognized for anticipated credit losses. The OTTI analysis
requires the Bank to consider various factors, which include, but are not
limited to: (1)&nbsp;the length of time and the extent to which fair value has
been less than the amortized&#8209;cost basis, (2)&nbsp;the financial condition
of the issuer or issuers, (3)&nbsp;actual collateral attributes, (4)&nbsp;the
payment structure of the debt security and the likelihood of the issuer being
able to make payments, (5)&nbsp;any rating changes by a rating agency,
(6)&nbsp;adverse conditions specifically related to the security, industry, or
a geographic area, and (7)&nbsp;management&#8217;s intent to sell </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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security or whether it is more likely than not that the Bank would be required
to sell the investment security before a forecasted recovery occurs.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In instances in which a
determination is made that a credit loss (defined as the difference between the
present value of the cash flows expected to be collected and the amortized&#8209;cost
basis) exists, but the Bank does not intend to sell the debt security and it is
not more likely than not the Bank will be required to sell the debt security
before the anticipated recovery of its remaining amortized&#8209;cost basis
(i.e., the amortized&#8209;cost basis less any current period credit loss), the
impairment is separated into (a)&nbsp;the amount of the total impairment
related to the credit loss and (b)&nbsp;the amount of the total impairment
related to all other factors. The amount of the total OTTI related to the
credit loss is recognized in the consolidated statements of operations. The
amount of the total impairment related to all other factors is recognized in
other comprehensive income (loss). No other&#8209;than&#8209;temporary charges
were recorded in operations during the years ended October 31, 2019, 2018 and
2017.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(e)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mortgage Loans Held for Sale</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mortgage loans held for sale
are stated at the lower of cost or fair value, cost being determined based on
the outstanding loan balance less unearned income, and fair value determined on
an aggregate basis using current market prices in the secondary market. The
cost basis also includes consideration of deferred origination fees and costs,
which are recognized in earnings at the time of sale. The amount, by which cost
exceeds fair value, if any, is accounted for as a valuation allowance with
changes therein included in the determination of net income (loss) for the
period in which the change occurs. Mortgage loans held for sale are mainly
conforming mortgage loans originated and purchased, which from time to time the
Bank sells to other financial institutions or securitizes conforming mortgage
loans into Government National Mortgage Association (GNMA), Federal National
Mortgage Association (FNMA), and Federal Home Loan Mortgage Corporation (FHLMC)
pass&#8209;through certificates. At October 31, 2019 and 2018, the fair value
of mortgage loans held for sale exceeded their cost.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(f)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans and Allowance for Loans and
Lease Losses</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank presents loans
subject to the loss share agreements entered as part of the FDIC-assisted
transaction as &#8220;covered loans&#8221; and loans not subject to the loss share
agreements as &#8220;noncovered loans&#8221;.&#160; Noncovered loans include any loans made
outside of the FDIC loss share agreements before or after the April&nbsp;30,
2010 FDIC&#8209;assisted transaction and loans that have been transferred from
the covered portfolio due to the expiration of the loss share agreement or
elimination of the FDIC guarantee. </font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On July 12, 2019 the Bank
entered into a single-family share loss termination agreement (the Termination
Agreement) with the FDIC to terminate all rights and obligations between the
parties.&#160; The Termination Agreement resulted in the reclassification of the
remaining portfolio of loans from covered loans to noncovered loans. The
reclassified loans will continue to be accounted for under the provisions of
ASC Subtopic 310-30</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> Loans and Debt Securities Acquired with Deteriorated Credit
Quality</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.&#160; For additional details on the loss share agreements, please refer
to note&nbsp;4.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.75in;"><b><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;line-height:15.0pt;">Noncovered Loans Accounted for Under the
Provisions of ASC Subtopic 310-20, </font></b><b><i><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;line-height:15.0pt;">Nonrefundable Fees and Other Costs </font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Noncovered loans are
classified as loans held for investment when management has the intent and
ability to hold the loan for the foreseeable future or until maturity or
payoff. The foreseeable future is a management judgment, which is determined
based upon the type of loan, business strategies, current market conditions,
asset and liability management, and liquidity. Management&#8217;s view of the
foreseeable future may change based on changes in these conditions. When a
decision is made to sell or securitize a loan that was not originated or
initially acquired with the intent to sell or securitize, the loan is
reclassified from held for investment into held for sale. Due to changing
market conditions or other strategic initiatives, management&#8217;s intent with
respect to the disposition of the loan may change, and accordingly, loans
previously classified as held for sale may be reclassified into held for
investment. Loans transferred between loans held for sale and held for
investment classifications are recorded at the lower of cost or fair value at
the date of transfer. Noncovered loans held for </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">investment
are reported at their outstanding principal balances net of any unearned
income, charge&#8209;offs, unamortized deferred fees and costs on originated
loans, premiums or discounts on purchased loans (other than those under the
FDIC&#8209;assisted transaction), and the allowance for loan and lease losses.
Fees collected and costs incurred in the origination of new loans are deferred
and amortized using the interest method or a method that approximates the
interest method over the term of the loan as an adjustment to interest yield.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">It is the general policy of
the Bank to discontinue the accrual of interest when principal or interest
payments are delinquent for 90&nbsp;days or longer or when other factors
indicate that the collection of principal and interest is doubtful. Noncovered
loans for which the recognition of interest income has been discontinued are
designated as nonaccrual. All interest accrued but not collected for noncovered
loans that are placed on nonaccrual or charged off are reversed against
interest income. The interest on these loans is accounted for on a cash basis
until qualifying for return to accrual. Loans return to accrual status when all
the principal and interest amounts contractually due are brought current and future
payments are reasonably assured.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank follows a systematic
methodology to establish and evaluate the adequacy of the allowance for loan
and lease losses (ALLL) to provide for inherent losses in the noncovered loan
portfolio. This methodology consists of several key factors such as prevailing
economic conditions and environmental factors, credit grading assigned to
commercial loans, portfolio risk characteristics, prior loss experience, and
results of periodic review of individual noncovered loans. The allowance for
loan and lease losses is established as losses are estimated to have occurred
through a provision for loan and lease losses charged to earnings. Management
periodically reviews the allowance for loan and lease losses policy and methodology
to reflect changes in portfolio trends, economic conditions, regulatory
requirements, and other relevant factors.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank&#8217;s methodology is
determined in accordance with accounting guidance, specifically guidance in
ASC&nbsp;Subtopic&nbsp;450&#8209;20, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loss Contingencies</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, for large
groups of small balance homogeneous loans that are collectively evaluated for
impairment and loan impairment guidance in ASC&nbsp;Section&nbsp;310&#8209;10&#8209;35,
</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Accounting by Creditors for Impairment of a Loan</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, for commercial and
industrial loans and residential mortgage loans over a predefined amount.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The allowance for
loan and lease losses consists of the following two&nbsp;main components:</font></p>

<p style="margin-bottom:10.0pt;margin-left:81.35pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">a)&#160;&#160;&#160;&#160;&#160;&#160;&#160; A specific loan component, which is the
allowance for impaired loans as required by ASC&nbsp;310&#8209;10&#8209;35, and</font></p>

<p style="margin-bottom:10.0pt;margin-left:81.35pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">b)&#160;&#160;&#160;&#160;&#160;&#160;&#160; An inherent loss component for all other
loans not individually evaluated for impairment but that, on a portfolio basis,
is believed to have some inherent but unidentified loss in accordance with
ASC&nbsp;450&#8209;20, and adjusted to consider the current status and recent
trends of economic data affecting the Bank, its customers, and loan portfolios.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Under ASC&nbsp;310&#8209;10&#8209;35,
commercial and industrial including construction loans, and residential
mortgage loans are evaluated on a loan&#8209;by&#8209;loan basis and are
determined to be impaired when, based on current conditions and events, it is
probable that the Bank will be unable to collect the scheduled payments of
principal and interest when due according to the contractual terms of the loan
agreement. The Bank measures for impairment all commercial and industrial
including construction, and residential mortgage loans with an outstanding book
balance over $500,000. </font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">ASC 310-10-35 states that
some impaired loans may have characteristics in common with other impaired
loans.&#160; As such, these loans may be aggregated and evaluated collectively for
impairment.&#160; The Bank applies this guidance to measure impairment for the
following:</font></p>

<p style="margin-bottom:10.0pt;margin-left:1.25in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Residential Mortgages Trouble Debt
Restructurings (TDR&#8217;s) with an outstanding balance under $500,000, and;</font></p>

<p style="margin-bottom:10.0pt;margin-left:1.25in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">All other retail loans identified
as TDR&#8217;s.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For commercial and industrial
loans not meeting the Bank&#8217;s definition of loans to be individually evaluated
for impairment and that comply with the following conditions an assessment is
performed in order to determine if </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">any charge off
shall be recorded against any of them: (1) loans with outstanding book balance
lower than $500,000 but in nonaccrual status, (2) loans rated with regulatory
risk rating of substandard or worse and/or have a delinquency over 90 days past
due.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For residential mortgages not
meeting the definition, a separate analysis is performed for all loans which
are past due in excess of 150 days.&#160; The individual analysis of each loan may
result in the recognition of a partial charge off and/or specific reserve. </font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Impaired loans are measured
based on the present value of expected future cash flows discounted at the
loan&#8217;s effective interest rate, or as a practical expedient, at the observable
market price of the loan or the fair value of the collateral, if the loan is
collateral dependent. If such measurement is less than the recorded investment
in the loan, the Bank recognizes the impairment by creating an allowance for
loan and lease losses with a resulting charge to the provision for loan and
lease losses. This evaluation is inherently subjective as it requires estimates
that are susceptible to significant revision as more information becomes
available.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Under ASC&nbsp;450&#8209;20,
the allowance for loan and lease losses calculation of the Bank is based on
historical charge&#8209;off experience adjusted for significant factors that,
in management&#8217;s judgment, reflect the effect of any current conditions on loss
recognition.&#160; A loss emergence period (LEP) assumption adjusts the historical
loss factor.&#160; The LEP measures the period from when a loss triggering event
occurs to the point in time when the loss is actually incurred.&#160; The Bank uses
empirical analysis of the time between the loss triggering events to the time
when the loss confirmation occurs. &#160;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Factors that management
considers in the analysis to supplement the historical charge&#8209;off
experience include the following: levels of and trends in delinquencies and
impaired loans; levels of and trends in charge&#8209;offs and recoveries;
trends in volume and terms of loans; effects of any changes in risk selection
and underwriting standards, and other changes in lending policies, procedures
and practices; experience, ability, and depth of lending management and other
relevant staff; local economic trends and industry conditions; effects of
external factors such as competition and regulatory requirements on the level
of estimated credit losses in the current portfolio; and effects of changes in
credit concentrations and collateral values. </font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The residential mortgage
loans (only those with an outstanding book balance below $500,000 not evaluated
under ASC&nbsp;310&#8209;10&#8209;35) and consumer loans, which includes
overdraft accounts, personal loans, auto loans, auto leases, credit cards, and
revolving personal credits are considered homogenous loan portfolios, and are
evaluated collectively for impairment.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank applies an overall
allowance percentage to each noncovered loan portfolio segment based on
historical credit losses adjusted for current conditions and trends. Allowances
on individual loans and historical loss rates are reviewed and adjusted as
necessary based on changing borrower and/or collateral conditions and actual
collection and charge&#8209;off experience. While management uses current
available information in estimating possible loan and lease losses, factors
beyond the Bank&#8217;s control such as those affecting general economic conditions
may require future changes to the allowance.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Noncovered loans, or portions
thereof, are charged off in the period in which they are deemed uncollectible.
The Bank has a policy of charging off consumer loans that are 120&#8211;180&nbsp;days
delinquent, depending on the collateral of the loan, consistent with federal
and Puerto Rico regulations. Residential mortgage loans and collateral
dependent commercial and industrial loans are written off, partially or in
full, when it is probable a loss has occurred as the collateral is not
sufficient to recover the investment in the loan. Subsequent recoveries, if
any, are credited to the allowance.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Cash payments received on
impaired loans are recorded in accordance with the contractual terms of the
loan. The principal portion of the payment is used to reduce the principal
balance of the loan, whereas the interest portion is recognized as interest
income. However, when management believes the ultimate collectibility of
principal is in doubt, the interest portion is applied to principal.</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Covered and
Noncovered Loans Accounted for Under ASC Subtopic 310-30,</font></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> Loans and Debt
Securities Acquired with Deteriorated Credit Quality</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Covered loans and noncovered
loans acquired in the FDIC&#8209;assisted transaction are accounted for under
the provisions of ASC&nbsp;Subtopic&nbsp;310&#8209;30, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans and Debt
Securities Acquired with Deteriorated Credit Quality</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. The Bank accounts for
loans under ASC&nbsp;310&#8209;30 when (a)&nbsp;the Bank acquires loans deemed
to be impaired, there is evidence of credit deterioration, and it is probable,
at the date of acquisition, that the Bank would be unable to collect all
contractually required payments and (b)&nbsp;as a general policy election for
nonimpaired loans that the Bank acquires.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Under ASC&nbsp;310&#8209;30,
the Bank is permitted to aggregate acquired loans into one or more pools,
provided that the loans have common risk characteristics. A pool is then
accounted for as a single asset with a single composite interest rate and an
aggregate expectation of cash flows. Under the circumstance that a pool of
loans is acquired with a significant discount for credit, but it is determined
that for some of the loans in the acquired loan pool, it is probable that all the
contractual payments would be received (therefore, the loans meet the
first&nbsp;criteria of ASC&nbsp;310&#8209;30&#8209;15&#8209;2 but not the
second), the Bank applied the discount accretion guidance in ASC&nbsp;310&#8209;30,
instead of the standard loan discount accretion guidance of ASC&nbsp;310&#8209;20
to those loans. As documented in a letter from the American Institute of
Certified Public Accountants (AICPA) Depository Institution Expert Panel to the
Office of Chief Accountant of the Securities and Exchange Commission (SEC), on
December&nbsp;5, 2009, the SEC addressed the recognition of discount accretion
for loans acquired under these circumstances. As referred to in the AICPA&#8217;s
letter, when loans are acquired with a significant discount for credit (e.g.,
at a fair value lower than the contractual amounts due) and such loans are not
within the scope of ASC&nbsp;310&#8209;30, the AICPA believed that the SEC
&#8220;would not object to an accounting policy based on contractual cash flows or an
accounting policy based on expected cash flows,&#8221; meaning that an entity could either
apply the accretion guidance of ASC&nbsp;310&#8209;20 or that of ASC&nbsp;310&#8209;30
to such loans. Consistent with the AICPA&#8217;s views, the Bank applied the guidance
of ASC&nbsp;310&#8209;30 to all loans acquired in the transaction including
loans that did not meet the scope of ASC&nbsp;310&#8209;30.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The acquired loans were
recorded at their estimated fair value at the time of acquisition without
considering the loss share agreements. Fair value of acquired loans was
determined using a discounted cash flow model based on assumptions about the amount
and timing of principal and interest payments, estimated prepayments, estimated
default rates, estimated loss severity in the event of defaults, and current
market rates. Estimated credit losses were included in the determination of
fair value; therefore, an allowance for loan and lease losses was not recorded
on the acquisition date.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In accordance with
ASC&nbsp;310&#8209;30 and in estimating the fair value of loans at the
acquisition date, the Bank (a)&nbsp;calculated the contractual amount and
timing of undiscounted principal and interest payments (the&nbsp;undiscounted
contractual cash flows) and (b)&nbsp;estimated the amount and timing of
undiscounted expected principal and interest payments (the&nbsp;undiscounted
expected cash flows). The difference between the undiscounted contractual cash
flows and the undiscounted expected cash flows is the nonaccretable difference.
The nonaccretable difference represents an estimate of the loss exposure in the
acquired loan portfolio and such amount is subject to change over time based on
the performance of the loans. The carrying value of acquired loans is reduced
by payments received and increased by the portion of the accretable yield
recognized as interest income.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The excess undiscounted
expected cash flows at acquisition over the initial fair value of acquired
loans is referred to as the &#8220;accretable yield&#8221; and is recorded as interest
income over the estimated life of the loans using the effective&#8209;yield
method if the timing and amount of the future cash flows are reasonably
estimable. For purposes of cash flow reporting, the amortization of accretable
yield on loans is reduced from operating cash flows; all collections on
acquired loans are included as cash flows from investing activities.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In addition, subsequent to
acquisition, the Bank is required to periodically evaluate the estimate of cash
flows expected to be collected. These evaluations require the continued usage
of key assumptions and estimates, similar to the initial estimate of fair
value. Given the current economic environment, management must apply judgment
to develop its estimates of cash flows, changing loss severities, and
prepayment speeds. The covered and noncovered loans subject to ASC 310&#8209;30
are and will be reviewed for collectibility, based on the expectation of cash
flows on these loans. As a result, if there are decreases in expected cash
flows due to an increase in estimated credit losses compared to the most recent
estimate of cash flows expected to be collected, </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the
decrease in the present value of expected cash flows will be recorded as a
provision for loan losses charged to earnings and an allowance for loans will
be established. For covered loans subject to ASC 310-30, a related credit to
income and an increase in the FDIC loss share indemnification asset will be recognized
at the same time, measured based on the loss share percentages as described in
note&nbsp;4. Increases in the expected cash flows will generally result in an
increase in interest income over the remaining life of the pool of loans after
reversing any previously recorded allowance for loan and lease losses. The
impacts of (i)&nbsp;prepayments, (ii) changes in variable interest rates, and
(iii) any other changes in the timing of expected cash flows are recognized
prospectively as adjustments to interest income. Disposals of loans, which may
include sales of loans to third&nbsp;parties, receipt of payments in full by
the borrower, and foreclosure of the collateral, result in removal of the loan
from the pool at its estimated carrying amount. For foreclosed properties, the
estimated carrying amount is deemed to approximate the fair value of the
repossessed property. This removal method assumes that the amounts received
from resolution approximate pool performance expectations. The amount of cash
flows expected to be collected, and accordingly, the adequacy of the allowance
for loan losses due to certain decreases in expected cash flows, is
particularly sensitive to changes in the loan credit quality.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">During April 2019, the Bank
revised the purchase credit impaired policy for all loans accounted for under
ASC 310-30. Under the revised policy, the Bank writes-off the loan&#8217;s recorded
investment and derecognizes the associated allowance for loan and lease losses
for loans that exit the pools. The revised policy implementation was performed
prospectively due to the immaterial impact for retrospective adoption. Prior to
April 2019, the pool&#8217;s carrying value and allowance was determined by
discounting expected cash flows at the pool&#8217;s effective yield.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">When circumstances warrant,
the Bank may modify acquired loans. The impact of these modifications is
incorporated into the Bank&#8217;s periodic assessment of whether a probable and
significant change in expected cash flows has occurred, and the loans continue
to be reported and accounted for under ASC 310-30. The Bank monitors the
performance of modifications and updates and/or refines assumptions as
experience and changes in circumstances or data warrant.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">If a loan&#8217;s contractual
interest varies based on subsequent changes in an independent factor, such as
an index or rate (e.g., prime rate), that loan&#8217;s contractually required
payments receivable is calculated based on the factor as it changes over the
life of the loan. Projections of future changes in the factor are not made for
purposes of determining the effective interest or estimating cash flows
expected to be collected. At acquisition date, the amount of cash flows
expected to be collected is based on the index rate in effect at acquisition.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans accounted for under ASC
310&#8209;30 are generally considered accruing and performing loans as the
loans accrete interest income over the estimated life of the loan when cash
flows are reasonably estimable. Accordingly, acquired impaired loans that are
contractually past due are generally considered to be accruing and performing
loans.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Acquired loans accounted for
under ASC 310-30 are classified as loans held for investment when management
has the intent and ability to hold the loan for the foreseeable future or until
maturity or payoff. Management&#8217;s view of the foreseeable future may change
based on changes in these conditions. When a decision is made to sell or
securitize a loan that was not originated or initially acquired with the intent
to sell or securitize, the loan is recorded as an exit event at the time of
sale.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(g)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Covered Assets and the FDIC Loss
Share Indemnification Asset</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As a consequence of the FDIC&#8209;assisted
transaction, the Bank entered into two&nbsp;loss share agreements with the FDIC
that cover certain assets acquired, which includes various types of loans and
other real estate owned (OREO) (covered assets). Under the loss share
agreements, the FDIC is obligated to reimburse the Bank for losses with respect
to covered assets. The Bank will also reimburse the FDIC, under the same share coverage,
for qualifying recoveries with respect to losses for which the FDIC may have
reimbursed the Bank. The loss share agreements also provide for certain costs
directly related to the collections and preservation of covered assets to be
reimbursed at an 80% level. It is the Bank&#8217;s policy to recognize reimbursable
expenses upon receipt of cash from the FDIC. Incurred expenses reimbursed by
the FDIC under the loss share agreements amounting to $2.6&nbsp;million,
$15.4&nbsp;million and $7.8 million as of October 31, 2019, 2018 and 2017,
respectively, are presented as part of noninterest expenses in the consolidated
statements of operations.</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As a
result of the Termination Agreement executed in July 2019, assets covered by
the loss share agreement, including covered loans were reclassified to
noncovered loans. After July 2019, the Bank recognizes all future credit
losses, expenses, gains and recoveries related to the formerly covered assets
with no offset due to or from the FDIC.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The commercial (including
construction) and consumer loans loss share agreement expired on June 30, 2015
with an additional recovery sharing period of three years thereafter which
ended on June 30, 2018. During the agreement period, reporting on all shared
assets is required whether or not the asset experienced a charge-off or expense
claim. However, under the recovery period of the commercial and consumer loans
loss share agreement, reporting only included recoveries and expenses related
to recovery assets (a covered asset that had a previous claimable loss). </font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The recovery period
certificates included two categories of net results; one related to OREO and
the second related to loans.&#160; The net results of each category (recoveries
versus reimbursable expenses) cannot be netted when one of the certificates
results in a net loss. Net losses are carried forward to the following
certificate and on the final recovery quarter certificate of June 2018 a
cumulative analysis was performed on each certificate category. As a result of
the analysis and certificate calculation in June 2018, a net OREO loss
carryforward amounting to $2.4 million was reimbursed subsequently by the FDIC.
</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Up until the end of the
recovery period in June 2018, recovery amounts and expense reimbursements
determined would be recognized based on the quarterly certificates once
submitted to the FDIC. In case the quarterly certificate for the OREO category
resulted in a net loss position that will be carried forward to the subsequent
quarter, only the portion of the recoveries that are recognized as an FDIC
payable would be offset against reimbursable expenses when recognizing the
certificate. The Bank recognized $5.8 million and $2.6 million as of October
31, 2018 and 2017, respectively, in recoveries expenses which are presented as
part of noninterest expenses in the consolidated statements of operations.
Refer to note 4 for further details.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The acquisition date fair
value of the expected loss reimbursements that the Bank will receive from the
FDIC is recognized as an indemnification asset under ASC&nbsp;Topic&nbsp;805, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Business
Combination</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. The fair value of the loss share indemnification asset
represents the present value of the estimated cash payments expected to be
received from the FDIC for future losses on covered assets, based on the credit
adjustment estimated for each covered asset and the loss sharing percentages.
These cash flows are then discounted at a market&#8209;based rate to reflect
the uncertainty of the timing and receipt of the loss sharing reimbursements
from the FDIC. The amount ultimately collected for this asset is dependent upon
the performance of the underlying covered assets, the passage of time, and
claims submitted to the FDIC. These claims are submitted periodically to the
FDIC following the provisions of the loss share agreements. The amounts claimed
are subject to standard reviews by the Division of Resolutions and
Receiverships of the FDIC who manages the loss share agreements, which could
result in changes to the amounts previously claimed or the timing of
recognition.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank assesses the
indemnification asset for collectibility. Amounts collectible from the FDIC
through loss reimbursements comprise losses currently expected within the loss
share term. A current period impairment is recorded to the extent that events
or circumstances indicate that losses previously expected to occur within the
loss share term are not expected to occur or will occur subsequent to loss
share termination. Impairments are recorded as a current period charge to
income included as part of noninterest expenses in the accompanying
consolidated statements of operations. As of October 31, 2018, there were no
indications of impairment as a result of such assessment. At October 31, 2019,
as a result of the Termination Agreement executed on July 12, 2019 there is no
outstanding balance related to the FDIC loss share Indemnification Asset.&#160; </font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The FDIC loss share
indemnification asset will be reduced as losses are recognized on covered
assets and loss sharing payments are received from the FDIC. Expected credit
losses in excess of acquisition&#8209;date estimates will result in an increase
in the FDIC loss share indemnification asset. Conversely, if expected credit
losses are less than acquisition&#8209;date estimates, the FDIC loss share
indemnification asset will be reduced. The income statement effects of the FDIC
loss share indemnification asset are included in noninterest income and include
the accretion due to discounting and changes in expected reimbursements.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank has determined that
the accounting treatment for the indemnification asset should mirror the
accounting for the indemnified assets. As such, where there is only a change in
timing of expected collections </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">on loan pools, and not
a change in aggregate collections, in other words, where loss assumptions have
remained constant, there should be no significant impact on the indemnification
asset except for a change related to the time value of money, assuming that the
timing of the reimbursement of incurred loss is the only change. Where losses
have increased and the respective assets are indemnified by the FDIC, the
indemnification asset will be increased by the present value of anticipated
future loss. Where losses have decreased on indemnified assets, the present
value of the amount of the indemnification asset that was established, based
upon the previously expected losses (and which are no longer to be claimed from
the FDIC), will be amortized to income over the period of indemnification.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank has segregated the
indemnification asset into tranches, each tranche representing a pool of
indemnified loans, as being accounted for under ASC 310&#8209;30 and additional
tranches that include the indemnified OREO portfolio. Periodically, in
conjunction with the reforecast of the cash collection assumptions, each tranche
of the indemnification asset is recalculated and the resulting effect on income
is determined.&#160; The time value of money incorporated into the present value
computation is accreted into earnings over the shorter of the life of the loss
share agreements or the holding period of the covered assets.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(h)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Transfers and Servicing of
Financial Assets and Extinguishments of Liabilities</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Under the provisions of
ASC&nbsp;Topic&nbsp;860&#8209;20, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Sales of Financial Assets</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, transfers
of financial assets are accounted for as sales, when control over the assets
has been surrendered. Control over transferred assets is deemed to be
surrendered when (1)&nbsp;the assets have been isolated from the transferor,
(2)&nbsp;the transferee obtains the right (free of conditions that constrain it
from taking advantage of that right) to pledge or exchange the transferred
assets, and (3)&nbsp;the transferor does not maintain effective control over
the transferred assets through an agreement to repurchase them before their
maturity.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank periodically enters
into loan participation agreements with the Puerto Rico branch of BNS
(the&nbsp;Branch) and with other unrelated financial institutions. The loan
participations to the Branch are considered sales and, therefore, not
recognized on the Bank&#8217;s consolidated balance sheets.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For Puerto Rico income tax
purposes, the Bank treats the transfers of loans, which do not qualify as &#8220;true
sales&#8221; under the applicable accounting guidance, as sales, recognizing a
deferred tax asset or liability on the transaction. For transfers of financial
assets that satisfy the conditions to be accounted for as sales, the Bank
derecognizes all assets sold; recognizes all assets obtained and liabilities
incurred in consideration as proceeds of the sale, including servicing assets
and servicing liabilities, if applicable; initially measures at fair value
assets obtained and liabilities incurred in a sale; and recognizes in earnings
any gain or loss on the sale. The guidance on transfer of financial assets
requires a true sale analysis of the treatment of the transfer under state law
as if the Bank was a debtor under the bankruptcy code. A true sale legal
analysis includes several legally relevant factors, such as the nature and
level of recourse to the transferor, and the nature of retained interests in the
loans sold. The analytical conclusion as to a true sale is never absolute and
unconditional, but contains qualifications based on the inherent equitable
powers of a bankruptcy court, as well as the unsettled state of the common law.
Once the legal isolation test has been met, other factors concerning the nature
and extent of the transferor&#8217;s control over the transferred assets are taken
into account in order to determine whether derecognition of assets is
warranted.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">When the Bank sells or
securitizes mortgage loans, it generally makes customary representations and
warranties regarding the characteristics of the loans sold. The Bank&#8217;s mortgage
operations groups conforming conventional mortgage loans into pools that are
exchanged for FHLMC, FNMA, and GNMA mortgage&#8209;backed securities, which are
generally sold to private investors, or sold directly to FHLMC, FNMA, or other
private investors for cash. To the extent the loans do not meet specified
characteristics, investors are generally entitled to require the Bank to
repurchase such loans or indemnify the investor against losses if the assets do
not meet certain guidelines. The Bank has not recorded any specific contingent
liability in the consolidated financial statements for these customary
representation and warranties related to loans sold by the Bank, and management
believes that, based on historical data, the probability of payments and
expected losses under these representation and warranty arrangements is not
significant. &#160;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">GNMA programs allow financial
institutions to buyback individual delinquent mortgage loans that meet certain
criteria from the securitized loan pool for which the Bank provides servicing.
At the Bank&#8217;s option and without </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">GNMA prior
authorization, the Bank may repurchase such delinquent loans for an amount
equal to 100% of the loan&#8217;s remaining principal balance. This buy&#8209;back
option is considered a conditional option until the delinquency criteria is
met, at which time the option becomes unconditional. When the loans backing a
GNMA security are initially securitized, the Bank treats the transaction as a
sale for accounting purposes because the conditional nature of the buy&#8209;back
option means that the Bank does not maintain effective control over the loans,
and therefore, these are derecognized from the consolidated balance sheets.
When individual loans later meet GNMA&#8217;s specified delinquency criteria and are
eligible for repurchase, the Bank is deemed to have regained effective control
over these loans and they must be brought back onto the Bank&#8217;s books as assets
at fair value, regardless of whether the Bank intends to exercise the buy&#8209;back
option. For the years ended October 31, 2019 and 2018, the Bank had recognized
$60.1&nbsp;million and $92.9&nbsp;million of delinquent mortgage loans that met
such option, respectively.&#160; In addition, a corresponding offsetting liability
is recorded for the same amount and is presented as part of other liabilities
in the consolidated balance sheets. Quality review procedures are performed by
the Bank as required under the government agency programs to ensure that assets
guideline qualifications are met. The Bank repurchased, pursuant to its
repurchase option with GNMA, $38.0 million and $31.2 million in mortgage loans
for the years ended October 31, 2019 and 2018, respectively. The decision to
repurchase these loans was based on economic benefits of the transaction, which
results in a reduction of the servicing costs for severely delinquent loans,
mostly related to principal and interest advances.&#160; The principal balance of
these loans is fully guaranteed and the risk of loss related to these
repurchased loans is generally limited.&#160; The Bank places these loans under its
loss mitigation programs and once brought back to current status, these may be
either returned to portfolio or re-sold in the secondary market.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank repurchased from
loan sales to FNMA and FHLMC the amount of $3.3 million and $2.9 million for
the years ended October 31, 2019 and 2018, respectively.&#160; These repurchases
were recorded at fair value.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(i)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Servicing Assets</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank periodically sells
or securitizes mortgage loans while retaining the obligation to perform the
servicing of such loans. In addition, the Bank may purchase or assume the right
to service loans originated by others. If the servicing asset or liability was
purchased or assumed rather than undertaken in a sale or securitization of the
financial assets being serviced, it shall be measured initially at its fair
value, which is the price paid at the transaction date. An assumption of a
servicing obligation does not result in separate recognition of a servicing
liability, unless substantially all the risks and rewards inherent in the
servicing liability have been effectively transferred. A servicing asset is
recognized whenever the compensation for servicing is expected to more than
adequately compensate the servicer for performing the servicing. Likewise, a
servicing liability would be recognized in the event that servicing fees to be
received are not expected to adequately compensate the Bank for its expected
cost. Servicing assets are included as part of other assets in the accompanying
consolidated balance sheets. Mortgage loan servicing fees, which are based on a
percentage of the principal balances of the loans serviced, are credited to
income as loan payments are collected.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">All separately recognized
servicing assets and servicing liabilities are initially measured at fair
value. Subsequent to the initial measurement, the Bank has elected to measure
each class of servicing assets or liabilities by applying the fair value method
at each reporting date. Changes in fair value resulting from the measurement of
servicing assets or liabilities at each reporting date are reported in earnings
in the period in which the changes occur, presented within mortgage banking
activities in the consolidated statements of operations.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net mortgage servicing fees,
a component of mortgage banking activities in the consolidated statements of
operations, include the changes from period to period in fair value of the
servicing assets and liabilities, which may result from changes in the
valuation model inputs or assumptions (principally reflecting changes in
discount rates and prepayment speed assumptions) and other changes,
representing changes due to collection of expected cash flows.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(j)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Premises and Equipment</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Premises and equipment are
stated at cost less accumulated depreciation and amortization. Depreciation and
amortization are charged to operating expenses and are computed on a straight&#8209;line
method over the estimated useful life of the depreciable assets. Leasehold
improvements are amortized over the terms of the respective </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">leases
or estimated useful lives of the improvements, whichever is shorter.
Expenditures for major improvements and remodeling are capitalized, and maintenance
and repairs are charged to expense as incurred. Costs of renewals and
betterments are capitalized. When assets are disposed, their cost and related
accumulated depreciation are removed from the accounts and any gain or loss is
reflected in earnings as realized or incurred, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank has operating lease
arrangements primarily associated with the rental of premises to support its
branch network or for general office space. Certain of these arrangements are
noncancelable and provide for rent escalations and renewal options. Rent
expense on noncancelable operating leases with scheduled rent increases is
recognized on a straight&#8209;line basis over the lease term.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">ASC&nbsp;360&#8209;10&#8209;35&#8209;47,
</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Impairment and Disposal of Long&#8209;Lived Assets</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, defines a long&#8209;lived
asset to be abandoned as disposed off when it ceases to be used. If an entity
commits to a plan to abandon a long&#8209;lived asset before the end of its
previously estimated useful life, depreciation estimates shall be revised to
reflect the use of the asset over its shortened useful life. The Bank may
determine to abandon or dispose of a contract that is an operating lease based
on when the Bank has completely vacated the space under an operating lease
contract (cease to use date). The Bank will record a liability as of the &#8220;cease
to use date&#8221; for costs that will continue to be incurred under the lease
contract for the remaining terms without economic benefit. The cost included in
the liability calculation will contain the aggregated fair value of any contracted
rent and common area maintenance payments to be disbursed after the &#8220;cease to
use date.&#8221; The liability will be adjusted for any sublease rental income that
can be reasonably obtained.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank evaluates for
impairment its long&#8209;lived assets to be held and used, and long&#8209;lived
assets to be disposed of, whenever events or changes in circumstances indicate
that the carrying amount of an asset may not be recoverable. In performing the
review for recoverability, an estimate of the future cash flows expected to
result from the use of the asset and its eventual disposition is made. If the
sum of the future cash flows (undiscounted and without interest charges) is
less than the carrying amount of the assets, an impairment loss is recognized.
The amount of the impairment is the excess of the carrying amount over the fair
value of the asset. In the event of an asset retirement, the Bank recognizes a
liability for an asset retirement obligation in the period in which it is
incurred if a reasonable estimate of fair value of such liability can be made.
The associated asset retirement costs are capitalized as part of the carrying
amount of the long&#8209;lived asset and depreciated over the shorter period
between the useful life of the property or the lease term.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(k)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other Real Estate Owned</font></i></b></p>

<p style="margin-bottom:7.0pt;margin-left:81.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Noncovered
Other Real Estate Owned</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">OREO represents assets
acquired through foreclosure or deeded to the Bank in lieu of foreclosure on
real estate mortgage loans and commercial and consumer loans secured with real
estate, and other assets, on which the borrowers have defaulted as to payment
of principal and interest. Foreclosed assets are recorded at fair value of the
property as of date of repossession. After the recognition of the OREO, the
fair value adjusted by the expected historical realization of similar
properties less cost to sell becomes the new cost basis for the OREO property.
If an OREO property has mortgage insurance, the Bank will evaluate the
probability that the mortgage insurance claim will be paid and will establish a
receivable related to such claim. As of October 31, 2019 and 2018, the mortgage
insurance receivable amounted to approximately $10.1&nbsp;million and
$11.2&nbsp;million, respectively, which is recognized as part of other assets
in the consolidated balance sheets. Any write&#8209;offs at date of acquisition
are charged to the allowance for loan and lease losses. Expenses incurred in
maintaining assets and subsequent write&#8209;offs to reflect declines in the
net realizable value of the property are included in noninterest expenses and
noninterest income, respectively.</font></p>

<p style="margin-bottom:7.0pt;margin-left:81.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Covered
Other Real Estate Owned</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">All OREO acquired in the FDIC&#8209;assisted
transaction of R&#8209;G or arising from foreclosure of collateral associated
with covered loans (as described above) are subject to indemnification pursuant
to the FDIC loss share agreement and are referred to as covered OREO. Covered
OREO are reported exclusive of expected reimbursements from the FDIC.
Foreclosed assets are recorded at fair value adjusted by expected historical
realization of similar properties less estimated cost to sell. Any future
impairment related to the decrease in fair value on covered OREO will result in
a reduction of the carrying amount charged to other noninterest income, </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_23"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">with a partially offsetting accretion of FDIC loss share
indemnification asset for the loss reimbursement under the FDIC loss share
agreements. Any recoveries of previous write&#8209;downs are credited to other
noninterest income with a corresponding charge to accretion of FDIC loss share
indemnification asset for the portion of the recovery that is due to the FDIC.
As a result of the Termination Agreement executed on July 2019 with the FDIC,
assets covered by the single-family loss share agreement including covered OREO
were reclassified to noncovered OREO.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(l)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Goodwill and Other Intangible
Assets</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Goodwill represents the
excess of the aggregate purchase price over the fair value of the net assets
acquired in a purchase business combination. Goodwill is reviewed for
impairment at least annually in accordance with the provisions of ASC Subtopic
350&#8209;20&#8209;35, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Subsequent Measurement</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. &nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In January 2017, the
Financial Accounting Standards Board (&#8220;FASB&#8221;) issued Accounting Standards
Update (&#8220;ASU&#8221;) No. 2017-04, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Intangibles-Goodwill and Other (Topic
350).&nbsp; </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The objective of this ASU is to simplify how an entity is
required to test goodwill for impairment by eliminating Step 2 from the
goodwill impairment test. Step 2 measures a goodwill impairment loss by
comparing the implied fair value of a reporting unit&#8217;s goodwill with the carrying
amount of that goodwill. Instead, under this ASU, an entity should perform its
annual, or interim, goodwill impairment test by comparing the fair value of a
reporting unit with its carrying amount. The Bank should recognize an
impairment charge for the amount by which the carrying amount exceeds the
reporting unit&#8217;s fair value; however, the loss recognized should not exceed the
total amount of goodwill allocated to that reporting unit. Additionally, the
Bank should consider income tax effects from any tax deductible goodwill on the
carrying amount of the reporting unit when measuring the goodwill impairment
loss, if applicable. As permitted, the Bank early adopted this guidance in
order to conduct its 2017 impairment test. Upon completion of the annual test
as of June 30, 2017, goodwill was determined to be impaired by approximately
$72.2 million.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The impairment recorded
during 2017 was a result of the challenging environment mainly driven by the
sustained recession of the Puerto Rico economy, the fiscal crisis in the Puerto
Rico Government, fall in population and increases in unemployment rates which
has led the Bank to experience slower growth than projected. </font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following
table shows the activity in goodwill and other intangibles for the years ended
October&nbsp;31, 2019, 2018 and 2017:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Core</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Customer</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Goodwill</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">deposit</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">relationships</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ending balance,</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October 31, 2016</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  72,237,000 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  1,402,806 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  1,696,834 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  75,336,640 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (555,244)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (819,500)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (1,374,744)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impairment</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  (72,237,000)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (72,237,000)</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ending balance,</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=4% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=31% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October 31, 2017</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  847,562 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  877,334 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  1,724,896 </font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;- &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (520,111)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (753,500)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (1,273,611)</font></p>
  </td>
 </tr>
<tr style="height:15.4pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ending balance,</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=31% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October 31, 2018</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  327,451 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  123,834 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  451,285 </font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (287,151)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (123,834)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (410,985)</font></p>
  </td>
 </tr>
<tr style="height:15.4pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ending balance,</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:15.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=31% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October 31, 2019</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  40,300 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  40,300 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Intangible assets other than
goodwill, which are determined to have finite lives, are amortized based upon
the estimated economic benefits received and evaluated for impairment whenever
events or changes in circumstances indicate that the carrying amount of an
asset may not be recoverable. The customer relationships intangible resulted
from the R-G acquisition and represents the value attributed to the future
economic net income resulting from the revenue produced by the existing
customer relationships due to the cross selling ability of insurance products,
such as home, life, and disability insurance, among others, during the mortgage
</font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_24"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">underwriting and closing process. The weighted average
amortization period of the customer relationships and core deposit intangibles
at inception approximated 9 and 10&nbsp;years, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Amortization expense for the
core deposit and customer relationships intangibles is recognized within
noninterest expense in the accompanying consolidated statements of operations. </font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><a name=bookmark0></a><a name="bookmark0_bclEnd"></a><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(m)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Derivative Instruments and Hedging
Activities</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank accounts for its
hedging activities in accordance with ASC&nbsp;Topic&nbsp;815, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Derivatives
and Hedging</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. All derivatives, whether freestanding or embedded, are
recognized on the consolidated balance sheets at their fair value. On the date
the derivative contract is entered into, the Bank designates the derivative as
either a hedge of the fair value of a recognized asset or liability or of an
unrecognized firm commitment (fair value hedge), a hedge of a forecasted
transaction or the variability of cash flows to be received or paid related to
a recognized asset or liability (cash flow hedge), a foreign currency fair
value or cash flow hedge (foreign currency hedge), or trading derivative. The
Bank formally documents all relationships between hedging instruments and
hedged items, as well as its risk&#8209;management objective and strategy for
undertaking various hedge transactions. This process includes linking all
derivatives that are designated as fair value, cash flow, or foreign currency
hedges to specific assets and liabilities on the consolidated balance sheets or
to specific firm commitments or forecasted transactions. The Bank also formally
assesses, both at the hedge&#8217;s inception and on an ongoing basis, whether the
derivatives that are used in hedging transactions are highly effective in
offsetting changes in fair values or cash flows of hedged items. When it is
determined that a derivative is not highly effective as a hedge or that it has
ceased to be a highly effective hedge, the Bank discontinues hedge accounting
prospectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Changes in the fair value of
a derivative that is highly effective and that is designated and qualifies as a
fair value hedge, along with the loss or gain on the hedged asset or liability
or unrecognized firm commitment of the hedged item that is attributable to the
hedged risk, are recorded in earnings.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Changes in the fair value of
a derivative that is highly effective and that is designated and qualifies as a
cash flow hedge are recorded in other comprehensive income, until earnings are
affected by the variability in cash flows of the designated hedged item.
Changes in the fair value of a derivative that is highly effective as hedge and
that is designated and qualify as foreign currency hedge is recorded in either
earnings or other comprehensive income, depending on whether the hedge
transaction is a fair value hedge or a cash flow hedge. Changes in the fair
value of derivative trading instruments are reported in current&#8209;period
earnings.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank discontinues hedge
accounting prospectively when it is determined that the derivative is no longer
effective in offsetting changes in the fair value or cash flows of the hedged
item, the derivative expires or is sold, terminated, or exercised, the
derivative is redesignated as a hedging instrument, because it is unlikely that
a forecasted transaction will occur, a hedged firm commitment no longer meets
the definition of a firm commitment, or management determines that designation
of the derivative as a hedging instrument is no longer appropriate.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">When hedge accounting is
discontinued because it is determined that the derivative no longer qualifies
as an effective fair value hedge, the Bank continues to carry the derivative on
the consolidated balance sheets at its fair value, and no longer adjusts the
hedged asset or liability for changes in fair value. The adjustment of the
carrying amount of the hedged asset or liability is accounted for in the same manner
as other components of the carrying amount of that asset or liability. When
hedge accounting is discontinued because the hedged item no longer meets the
definition of a firm commitment, the Bank continues to carry the derivative on
the consolidated balance sheets at its fair value, removes any asset or
liability that was recorded pursuant to recognition of the firm commitment from
the consolidated balance sheets, and recognizes any gain or loss in earnings.
When hedge accounting is discontinued because it is probable that a forecasted
transaction will not occur, the Bank continues to carry the derivative on the
consolidated balance sheets at its fair value, and gains and losses that were
accumulated in other comprehensive income are recognized immediately in
earnings. In all other situations in which hedge accounting is discontinued,
the Bank continues to carry the derivative at its fair value on the
consolidated balance sheets, and recognizes any changes in its fair value in
earnings.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank occasionally
originates financial instruments that contain embedded derivatives. At
inception of the financial instrument, the Bank assesses: (1)&nbsp;if the
economic characteristics of the embedded derivative are </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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and closely related to the economic characteristics of the financial instrument
(host contract), (2)&nbsp;if the financial instrument that embodies both the
embedded derivative and the host contract is measured at fair value with
changes in fair value reported in earnings, or (3)&nbsp;if a separate instrument
with the same terms as the embedded instrument would not meet the definition of
a derivative. If the embedded derivative does not meet any of these conditions,
it is separated from the host and carried at fair value with changes recorded
in current period earnings as part of noninterest income.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(n)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income Taxes</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In preparing the consolidated
financial statements, the Bank is required to estimate income taxes. This
involves an estimate of current income tax expense together with an assessment
of temporary differences resulting from differences between the carrying
amounts of assets and liabilities for financial reporting purposes and the
amounts used for income tax purposes. The determination of current income tax
expense involves estimates and assumptions that require the Bank to assume
certain positions based on its interpretation of current tax laws and
regulations. Changes in assumptions affecting estimates may be required in the
future and estimated tax assets or liabilities may need to be increased or
decreased accordingly. The accrual for tax contingencies is adjusted in light
of changing facts and circumstances, such as the progress of tax audits, case
law, and emerging legislation. When particular matters arise, a number of years
may elapse before such matters are audited and finally resolved. Favorable
resolution of such matters could be recognized as a reduction to the Bank&#8217;s
effective tax rate in the year of resolution. Unfavorable settlement of any
particular issue could increase the effective tax rate and may require the use
of cash in the year of resolution.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income taxes are accounted
for under the asset and liability method. Deferred tax assets and liabilities
are recognized for the future tax consequences attributable to differences
between the financial statement carrying amounts of existing assets and
liabilities and their respective tax basis and operating loss and tax credit
carryforwards. Deferred tax assets and liabilities are measured using enacted
tax rates expected to apply to taxable income in the years in which those
temporary differences are expected to be recovered or settled. The effect on
deferred tax assets and liabilities of a change in tax rates is recognized in
income in the period that includes the enactment date. A deferred tax valuation
allowance is established if it is considered more likely than not that all or a
portion of the deferred tax assets will not be realized.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank follows the
provisions of ASC&nbsp;Topic&nbsp;740&#8209;10&#8209;25, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income Taxes
Recognition</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, which clarifies the accounting for uncertainty in income taxes
recognized in an enterprise&#8217;s financial statements. ASC 740&#8209;10&#8209;25
prescribes a recognition threshold and measurement attribute for the financial
statement recognition and measurement of a tax position taken or expected to be
taken in a tax return. According to this pronouncement, tax benefits of
uncertain tax positions are to be recorded only when the position is &#8220;more
likely than not&#8221; to be sustained based on its technical merits. The amount
recognized is the amount that represents the largest amount of tax benefit that
is greater than 50% likely of being ultimately realized. A liability is
recognized for any benefits claimed, or expected to be claimed, in tax return
in excess of the benefit recorded in the consolidated financial statements,
along with any interest and penalty (if applicable) on such excess. Interest
and penalties related to unrecognized tax benefits are included within the
provision for taxes on the consolidated statements of operations.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31, 2019 and 2018,
the Bank did not recognize any liability for unrecognized tax benefits.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(o)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Surplus Reserve</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Banking Law of the
Commonwealth of Puerto Rico requires that, prior to the payment of dividends in
any given year, at least 10% of the Bank&#8217;s annual net income, as defined, be
transferred to the surplus account until the surplus reserve account at least
equals the sum of the Bank&#8217;s paid&#8209;in common and preferred stock capital.
Any losses incurred by the Bank must first be charged to undivided profits and
then to the surplus reserve. Amounts transferred to surplus reserve from the
undivided profits are not available for distribution to its stockholders
without the prior consent of the Puerto Rico Commissioner of Financial
Institutions. At October 31, 2019 and 2018, the surplus reserve amounted to
approximately $84.3&nbsp;million and $75.4 million, respectively.</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(p)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Comprehensive Income (Loss)</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Comprehensive income (loss)
is defined as the change in equity of a business enterprise during a period
from transactions and other events and circumstances, except those resulting
from investments by owners and distributions to owners. GAAP requires that
recognized revenue, expenses, gains, and losses be included in net income
(loss). Although certain changes in assets and liabilities, such as unrealized
gains and losses on available for sale securities, cash flow hedges, and
changes in the funded status of postretirement benefits are reported as a
separate component of the stockholder&#8217;s equity section of the consolidated
balance sheets, such items, along with net income (loss), are components of
comprehensive income (loss).</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(q)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fair Value of Financial
Instruments</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank
determines the fair value of its financial instruments based on the fair value
framework established in ASC Subtopic 820&#8209;10&#8209;35, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fair Value
Measurement, Subsequent Measurement</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, which establishes a fair value
hierarchy that prioritizes the inputs of valuation techniques used to measure
fair value. The hierarchy gives the highest priority to unadjusted quoted
prices in active markets for identical markets and for identical assets or
liabilities (Level&nbsp;1 measurements) and the lowest priority to unobservable
inputs (Level&nbsp;3 measurements). The three&nbsp;levels of the fair value
hierarchy under ASC 820&#8209;10&#8209;35 are described below:</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Level&nbsp;1</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; Unadjusted quoted prices in active markets that are
accessible at the measurement date for identical, unrestricted assets or
liabilities</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Level&nbsp;2</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; Quoted prices in markets that are not considered to
be active or financial instruments for which all significant inputs are
observable, either directly or indirectly</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Level&nbsp;3</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; Prices or valuations that require inputs that are
both significant to the fair value measurement and unobservable.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">A financial instrument&#8217;s
level within the fair value hierarchy is based on the lowest level of any input
that is significant to the fair value measurement.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(r)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commitments and Contingencies</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Liabilities for loss
contingencies, arising from claims, assessments, litigations, fines, and
penalties and other sources are recorded when it is probable that a liability
has been incurred and the amount of the assessment can be reasonably estimated.
Legal costs incurred in connection with loss contingencies are expensed as
incurred.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(s)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Reclassifications&nbsp;</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Certain amounts for the 2018
and 2017 consolidated financial statements have been reclassified to conform to
the current year&#8217;s presentation. These reclassifications did not change
reported stockholder&#8217;s equity or net income (loss) for 2018 and 2017.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(t)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">New Accounting Updates Not Yet
Adopted</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2019-04, Codification Improvements to Topic 326,
Financial Instruments&#8212;Credit Losses, Topic 815, Derivatives and Hedging, and
Topic 825, Financial Instruments. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
FASB issued ASU 2019-04 in April 2019, which clarifies areas of guidance
related to the recently issued standards on credit losses (Topic 326),
derivatives and hedging (Topic 815), and recognition and measurement of
financial instruments (Topic 825). Amendments to Topic 326 are mainly in the
areas of accrued interest receivable, transfers of loans and debt securities
between classifications, inclusion of expected recoveries in the allowance for
credit losses and permitting a prepay-adjusted effective interest rate except
for TDRs. Amendments to Topic 815 and Topic 825 are mainly in the areas of fair
value hedges and equity securities accounted for under the measurement
alternative, respectively. The amendments have the same effective date as ASU
2017-12 and ASU 2016-13.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2019-01, Leases (Topic 842): Codification
Improvements. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In March 2019, the
FASB issued ASU No. 2019-01 which states that for lessors that are not
manufacturers or dealers, the fair value of the underlying asset is its cost,
less any volume or trade discounts, as long as there isn&#8217;t </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">a
significant amount of time between acquisition of the asset and lease
commencement; (2) clarifies that lessors in the scope of ASC 942 must classify
principal payments received from sales-type and direct financing leases in
investing activities in the statement of cash flows; and (3) clarifies the
transition guidance related to certain interim disclosures provided in the year
of adoption. To coincide with the adoption of ASU No. 2016-02 (November 1, 2020
for the Bank). The adoption of this ASU is not expected to have a material
impact on the Bank&#8217;s consolidated financial statements.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2018-20, Leases (Topic 842): Narrow-Scope Improvements
for Lessors. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In December 2018,
the FASB issued ASU No. 2018-20 which allows lessors to make an accounting
policy election of presenting sales taxes and other similar taxes collected
from lessees on a net basis, (2) requires a lessor to exclude lessor costs paid
directly by a lessee to third parties on the lessor&#8217;s behalf and include lessor
costs that are paid by the lessor and reimbursed by the lessee in the
measurement of variable lease revenue and the associated expense, and (3)
clarifies that when lessors allocate variable payments to lease and non-lease
components they are required to follow the recognition guidance in the new
leases standard for the lease component and other applicable guidance, such as
the new revenue standard, for the non-lease component. The amendments have the
same effective date as ASU 2016-02 (November 1, 2020 for the Bank). ASU 2018-20
is not expected to have a material impact on Bank&#8217;s consolidated financial
statements. </font></p>

<p style="margin:0in;margin-bottom:7.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><i><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">FASB Accounting Standards Update (&#8220;ASU&#8221;) 2018-19, Codification
Improvements to Topic 326, Financial Instruments&#8212;Credit Losses. </font></i></b><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">The amendments in this Update include items
brought to the Board&#8217;s attention by stakeholders. The amendments align the
implementation date for non-public entities&#8217; annual financial statements with
the implementation date for their interim financial statements and clarify the
scope of the guidance in the amendments in Update 2016-13. The amendment
clarifies that receivables arising from operating leases are not within the
scope of Subtopic 326-20. Impairment of receivables arising from operating
leases will be accounted for in accordance with Topic 842, Leases. The amendments have the same effective date
as ASU 2016-13.The adoption of this will not have a material impact on our
consolidated financial statements and related disclosures. </font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2018-16, Derivatives and Hedging (Topic 815):
Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap
(OIS) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The amendments in this Update permit use of the OIS
rate based on SOFR as a U.S. benchmark interest rate for hedge accounting
purposes under Topic 815 in addition to the UST, the LIBOR swap rate,</font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the
OIS rate based on the Fed Funds Effective Rate, and the SIFMA Municipal Swap
Rate. The Bank&#8217;s implementation date for this pronouncement is November 1,
2020. The adoption of this will not have a material impact on our consolidated
financial statements and related disclosures</font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. &nbsp;</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2018-15, Intangibles - Goodwill and Other -
Internal-Use Software (Subtopic 350-40): Customer&#8217;s Accounting for
Implementation Costs Incurred in a Cloud Computing Arrangement That Is a
Service Contract. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In August 2018,
the FASB issued Accounting Standards Update (&#8220;ASU&#8221;) 2018-15, which aligns the
requirements for capitalizing implementation costs incurred in a hosting
arrangement that is a service contract with the requirements for capitalizing
implementation costs incurred to develop or obtain internal-use software (and
hosting arrangements that include an internal-use software license).
Accordingly, ASU 2018-15 requires an entity (customer) in a hosting arrangement
that is a service contract to follow the guidance in Subtopic 350-40 to
determine which implementation costs to capitalize as an asset related to the
service contract and which costs to expense. The ASU also requires the entity
(customer) to expense the capitalized implementation costs of a hosting
arrangement that is a service contract over the term of the hosting
arrangement, which includes reasonably certain renewals. This ASU is the final
version of Proposed Accounting Standards Update 2018&#8211;230&#8212;Intangibles&#8212;Goodwill
and Other&#8212;Internal-Use Software (Subtopic 350-40): Customer's Accounting for
Implementation Costs Incurred in a Cloud Computing Arrangement That Is a
Service Contract, which has been deleted. This ASU will be applied
prospectively for annual and interim periods in fiscal years beginning after
December 15, 2020 for nonpublic entities. This ASU will be effective for the
Bank on November 1, 2021. Early adoption is permitted. The effects of this
standard on our consolidated statement of financial position, results of
operations or cash flows are not expected to be material.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:0in;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting Standards Update (&#8220;ASU&#8221;) 2018-14,
Compensation - Retirement Benefits - Defined Benefit Plans -General (Subtopic
715-20):</font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;"> </font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Disclosure Framework &#8211; Changes
to the Disclosure </font></i></b><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Requirements for Defined Benefit
Plans.</font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">
The FASB issued ASU 2018-14 in August 2018, which modifies the disclosure
requirements for employers that sponsor defined benefit pension or
postretirement plans. The most significant changes include the removal of the
amounts in accumulated other comprehensive income expected to be recognized as
components of net periodic benefit cost over the next fiscal year and the
effects of a one-percentage point change in assumed health care cost trend
rates on the aggregate of the service and interest cost components of net
periodic benefit costs and benefit obligation for postretirement health care
benefits. In addition, certain disclosure requirements were added which
include, but are not limited to, an explanation of the reasons for significant
gains and losses related to changes in the benefit obligation for the period.
The amendments in this ASU are effective for nonpublic entities for fiscal
years ending after December 15, 2021, with early adoption permitted.</font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">This ASU will be effective for the Bank on November
1, 2022.&#160; The amendments in this ASU should be applied on a retrospective basis
to all periods presented. Upon adoption of this standard, the Bank will be
impacted principally by the simplified disclosures on defined benefit plans.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework&#8212;Changes to the
Disclosure Requirements for Fair Value Measurement. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In August 2018, the FASB issued ASU 2018-13, which
modifies disclosure requirements related to fair value measurement. The
amendments in this ASU are effective for all entities for fiscal years, and
interim periods within those fiscal years, beginning after December 15, 2019.
Implementation on a prospective or retrospective basis varies by specific
disclosure requirement. Early adoption is permitted. The standard also allows
for early adoption of any removed or modified disclosures upon issuance of this
ASU while delaying adoption of the additional disclosures until their effective
date. This ASU will be effective for the Bank on November 1, 2020. The new
guidance is not expected to have a material impact on the consolidated
statements of operations or the consolidated statement of cash flows.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2018-11, Leases - Targeted Improvements</font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. In July 2018, the FASB issued ASU No. 2018-11 to provide entities
with relief from the costs of implementing certain aspects of the new leasing
standard, ASU No. 2016-02. Specifically, under the amendments in ASU 2018-11:
(1) entities may elect not to recast the comparative periods presented when transitioning
to the new leasing standard, and (2) lessors may elect not to separate lease
and non-lease components when certain conditions are met. The amendments have
the same effective date as ASU 2016-02 (November 1, 2020 for the Bank). ASU
2018-11 is not expected to have a material impact on Bank&#8217;s consolidated
financial statements.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2018-09, Codification Improvements.</font></i></b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In July 2018, the FASB
issued ASU 2018-09, which represents changes to clarify the FASB Accounting Standards
Codification (the &#8220;Codification&#8221;), correct unintended application of guidance,
or make minor improvements to the Codification that are not expected to have a
significant effect on current accounting practice or create a significant administrative
cost to most entities. Some of the amendments make the Codification easier to
understand and easier to apply by eliminating inconsistencies, providing needed
clarifications, and improving the presentation of guidance in the Codification.
The transition and effective date guidance is based on the facts and
circumstances of each amendment. Some of the amendments in this ASU do not
require transition guidance and will be effective upon issuance of this ASU.
However, many of the amendments in this ASU do have transition guidance with
effective dates</font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.&nbsp;</font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> The Bank does not expect to be materially
impacted by these Codification improvements.</font></p>

<p style="margin:0in;margin-bottom:7.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><i><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">FASB Accounting Standards Update (&#8220;ASU&#8221;) 2017-12,
Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for
Hedging Activities</font></i></b><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">.
The FASB issued ASU 2017-12 in August 2017, which makes more financial and
nonfinancial hedging strategies eligible for hedge accounting and changes how
companies assess effectiveness by, among other things, eliminating the
requirement for entities to recognize hedge ineffectiveness each reporting
period for cash flow hedges and requiring presentation of the changes in fair
value of cash flow hedges in the same income statement line item(s) as the
earnings effect of the hedged items when the hedged item affects earnings. The
amendments in this update are effective for nonpublic entities for fiscal
years, and interim periods within those fiscal years, beginning after December
15, 2019. On November 2019, the FASB issued ASU 2019-10 to extend the
amendments effective date for nonpublic entities for fiscal years beginning
after December 15, 2020 and interim periods within fiscal years beginning after
December 15, 2021.&#160; Early adoption is permitted. The amendments in this Update
should be applied using a modified retrospective approach as of the adoption
date. The Bank does not anticipate that the adoption of this </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin:0in;margin-bottom:7.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">accounting pronouncement will have a material effect on
its consolidated statements of financial condition and results of operations
since hedge ineffectiveness has been immaterial to the Bank.</font></p>

<p style="margin-bottom:7.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:0in;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting Standards Update (&#8220;ASU&#8221;)
2017-07</font></i></b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;">, </font></i><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Compensation -
Retirement Benefits (Topic 715): Improving
the Presentation of Net Periodic Pension
Cost and Net Periodic Postretirement Benefit Cost</font></i></b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;">. </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">The FASB issued ASU 2017-07 in
March 2017, which requires</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;"> </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">that an employer disaggregate the service cost component from</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;"> </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">the other components of net
benefit cost of pension and</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;"> </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">postretirement benefit plans. The amendments also provide</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;"> </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">guidance on how to present the
service cost component and the</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;"> </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">other components of net benefit cost in the income statement</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;"> </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">and allow only the service cost
component of net benefit cost to</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;"> </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">be eligible for capitalization.</font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">The implementation of the ASU is effective November
1, 2019 for the Bank.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2016-18, Statement of Cash Flows (Topic 230):
Restricted Cash. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The FASB issued
ASU 2016-18 in November 2016, which requires entities to present the changes in
total cash, cash equivalents, restricted cash and restricted cash equivalents
in the statement of cash flows. The new guidance also requires a reconciliation
of the totals in the statement of cash flows to the related captions in the
balance sheet if restricted cash and restricted cash equivalents are presented
in a different line item in the balance sheet. ASU No. 2016-18 is effective for
nonpublic entities for interim and annual reporting periods beginning after
December 15, 2018. This ASU will be effective for the Bank on November 1, 2019.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2016-13, Measurement of Credit Losses on Financial
Instruments. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In June 2016, the
FASB issued ASU No. 2016-13, which includes an impairment model (known as the
current expected credit loss (CECL) model) that is based on expected losses
rather than incurred losses. Under the new guidance, an entity recognizes as an
allowance its estimate of expected credit losses. ASU No. 2016-13 is effective
for nonpublic entities for fiscal years, and interim periods, beginning after
December 15, 2020. On November, 2019, the FASB issued ASU 2019-10 to extend the
effective date for nonpublic entities for fiscal years beginning after December
15, 2022. The Bank has established a plan to comply with implementation date
and continues to evaluate the extent of the potential impact and expects that
portfolio composition and economic conditions at the time of adoption will be a
factor.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting
Standards Update (&#8220;ASU&#8221;) 2016-02, Leases (Topic 842).</font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> In February 2016, the FASB issued ASU No. 2016-02,
under the new guidance, lessees are required to recognize the following for all
leases (with the exception of short-term leases): 1) a lease liability, which
is the present value of a lessee&#8217;s obligation to make lease payments, and 2) a
right-of-use asset, which is an asset that represents the lessee&#8217;s right to
use, or control the use of, a specified asset for the lease term. Lessor
accounting under the new guidance remains largely unchanged as it is substantially
equivalent to existing guidance for sales-type leases, direct financing leases,
and operating leases. Leveraged leases have been eliminated, although lessors
can continue to account for existing leveraged leases using the current
accounting guidance. Other limited changes were made to align lessor accounting
with the lessee accounting model and the new revenue recognition standard. All
entities will classify leases to determine how to recognize lease-related
revenue and expense. Quantitative and qualitative disclosures are required by
lessees and lessors to meet the objective of enabling users of financial
statements to assess the amount, timing, and uncertainty of cash flows arising
from leases. The intention is to require enough information to supplement the
amounts recorded in the financial statements so that users can understand more
about the nature of an entity&#8217;s leasing activities. All entities are required
to use a modified retrospective approach for leases that exist or are entered
into after the beginning of the earliest comparative period in the financial
statements. The new guidance requires these lease agreements to be recognized
on the consolidated statements of financial condition as a right-of-use asset
and a corresponding lease liability. On November 2019, the FASB issued ASU
2019-10 to extend the amendments effective date for nonpublic entities for
fiscal years beginning after December 15, 2020 and interim periods within
fiscal years beginning after December 15, 2021.&#160; </font></p>

<p style="margin-bottom:7.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:0in;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FASB Accounting Standards Update (&#8220;ASU&#8221;</font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">) </font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">2014-09</font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">, </font><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Revenue
from Contracts with Customers. </font></i></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">In May 2014, the FASB issued ASU No. 2014-09, which
supersedes the revenue recognition requirements Topic 605 (Revenue
Recognition), and most industry-specific guidance. ASU No. 2014-09 is based on
the principle that revenue is recognized to depict the transfer of goods or
services to customers in an amount that reflects the consideration to which the
entity expects to be entitled in exchange for those goods or services. ASU No.
2014-09 also requires additional disclosure about the nature, amount, timing
and uncertainty of revenue and cash flows arising from customer contracts,
including significant judgments and changes in judgments and assets recognized
from costs incurred to obtain or fulfill a contract. ASU No. 2014-09 permits
two methods of </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-style:normal;font-weight:normal;">adoption: retrospectively to each prior
reporting period presented (full retrospective method), or retrospectively with
the cumulative effect of initially applying the guidance recognized at the date
of initial application (modified retrospective method). In August 2015, the
FASB issued ASU No. 2015-14 to defer the effective date of ASU No. 2014-09 for
nonpublic entities for fiscal years beginning after December 15, 2018. The Bank
will adopt this ASU on November 1, 2019. The adoption of this ASU is not
expected to have material impact to the Bank&#8217;s statement of operations or
financial condition.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(4)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FDIC&#8209;Assisted Transaction</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On April&nbsp;30, 2010, the
Bank entered into a Purchase and Assumption agreement with the FDIC to acquire
certain assets and assume certain deposits and other liabilities of R&#8209;G.
In consideration for the excess assets acquired over liabilities assumed, the
Bank issued a purchase money note to the FDIC.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In connection with the
acquisition, the Bank also entered into two&nbsp;loss share agreements with the
FDIC. Pursuant to the terms of the loss share agreements, the FDIC is required
to reimburse the Bank for losses with respect to covered assets, beginning with
the first&nbsp;dollar of loss incurred. The FDIC will reimburse the Bank for
80% of all qualifying losses with respect to covered assets. The Bank will
reimburse the FDIC for 80% of qualifying recoveries with respect to losses for
which the FDIC reimbursed the Bank. The loss share agreement applicable to
single&#8209;family residential mortgage loans and residential OREO provides
for FDIC loss sharing and the Bank reimbursement to the FDIC to last for ten
years, and the loss share agreement applicable to commercial loans, commercial
real estate loans, credit cards, other consumer loans, and commercial OREO
provides for FDIC loss sharing and the Bank reimbursement to the FDIC to last
for five&nbsp;years (which expired on June 30, 2015), with additional recovery
sharing which expired on June 30, 2018. The loss share agreements are subject
to certain specified servicing procedures. The expected net reimbursements from
the FDIC under the loss share agreements were recorded as an indemnification
asset pursuant to the provisions of ASC 805 at its estimated acquisition date
fair value.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In 2020,
approximately 10&nbsp;years following the acquisition date, the Bank would be
required to make a true&#8209;up payment (referred to as clawback provision) to
the FDIC in the event that losses on covered assets under the loss share
agreements have been less than the threshold as defined in the loss share
agreements. The present value of that anticipated payment was recorded on the
acquisition date as a charge&#8209;back guarantee. Under the loss sharing
agreements, the Bank would pay the FDIC 50% of the excess, if any, of:</font></p>

<p style="margin-bottom:10.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 20% of the intrinsic loss estimate, as
defined in the loss sharing agreements, less</font></p>

<p style="margin-bottom:10.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; The sum of:</font></p>

<p style="margin-bottom:10.0pt;margin-left:81.35pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160; 25% of the asset discount (per bid) plus</font></p>

<p style="margin-bottom:10.0pt;margin-left:81.35pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160; 25% of the cumulative shared&#8209;loss
payments plus</font></p>

<p style="margin-bottom:10.0pt;margin-left:81.35pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160; The sum of the period servicing amounts for
every consecutive 12&#8209;month period prior to and ending on the date that is
45&nbsp;days following the last day of the final shared loss month in respect
of each of the loss sharing agreements during which the loss sharing provisions
of the applicable loss sharing agreements is in effect (defined as the product
of the simple average of the principal amount of loss share loans and loss
shared assets at the beginning and end of such period times 1%).</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">The FDIC loss share agreement expired on June 30, 2015
for commercial (including construction) and consumer loans, and for commercial
OREOs. The loss share agreement for single-family residential mortgage loans,
and for single-family OREOs was early terminated during July 2019 as detailed below.
</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">On July 12, 2019 the Bank entered into a Termination
Agreement with the FDIC to terminate the single-family loss share agreement.&#160;
Under the terms of the Termination Agreement, the Bank received a payment from
the FDIC as consideration for the termination of the loss share agreement.&#160; The
Bank recorded a benefit of $9.1 million within the accretion of FDIC
indemnification asset caption on the consolidated statement of operations
calculated based on the difference between the Termination Agreement consideration
received and the recorded amount of the FDIC loss share indemnification asset.&#160;
In addition, the Termination Agreement established that all obligations between
the parties were terminated resulting in a benefit of $12.9 million due to the
reversal of the clawback provision which was recognized as other expenses
within the noninterest expense caption on the consolidated statements of
operations.</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_31"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
carrying amount and fair value of the clawback provision at October 31, 2018
was $17.0 million and $7.5 million, respectively. At October 31, 2019, as a
result of the Termination Agreement executed on July 12, 2019, there is no
outstanding balance for the FDIC clawback provision.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Changes in the
FDIC loss share indemnification asset for the period from October&nbsp;31, 2017
to October&nbsp;31, 2019 were as follows (in thousands):</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.95pt;">
  <td colspan=4 nowrap valign=bottom width=72% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2017</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  103,461 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=37% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization</font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,594 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=56% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Reduction for claims collected</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (87,526)</font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=56% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Credit impairment losses to be covered</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=38% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">under loss share agreements</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  18,671 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=4 nowrap valign=bottom width=72% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2018</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  38,200 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accretion</font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  38,123 </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=56% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Reduction for claims collected</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (63,632)</font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=56% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Credit impairment losses to be covered</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=38% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">under loss share agreements</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;2,059 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=16% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=56% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">FDIC loss share Termination Agreement</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (14,750)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=4 nowrap valign=bottom width=72% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2019</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=21% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
</table>


</div>


<p align=center style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(5)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Cash and Cash Equivalents</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Cash on hand and
due from banks at October&nbsp;31 consisted of the following:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash on hand</font></p>
  </td>
 <td nowrap valign=bottom width=37% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">63,183,791&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">72,155,801&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due from banks</font></p>
  </td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">599,286,147&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">276,189,767&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash on hand and due from banks</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">662,469,938&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">348,345,568&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank is required to
maintain certain daily reserve balances on hand in accordance with the Banking
Law of the Commonwealth of Puerto Rico. At October 31, 2019 and 2018, the Bank
was in compliance with said requirement. The average required reserve balance
as of October 31, 2019 and 2018 amounted to $106.3&nbsp;million and
$116.5&nbsp;million, respectively.</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(6)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Investment Securities Available
for Sale</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The amortized cost
and estimated market value of investment securities available for sale at
October&nbsp;31 were as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=59% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Gross</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Gross</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortized</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">cost</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">gain</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loss</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fair
  value</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">U.S. Treasury securities</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 464,455,712 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 2,171,124 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (17,336)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160; 466,609,500 </font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td colspan=7 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Obligations of Puerto Rico and</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">political subdivisions</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,070,000 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160; (1,698,450)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,371,550 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Mortgage-backed securities</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 184,158,506 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 2,363,909 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160; (1,146,015)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160; 185,376,400 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  653,684,218 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  4,535,033 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (2,861,801)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  655,357,450 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=59% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;Gross
  &nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;Gross
  &nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;Amortized
  &nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;unrealized
  &nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;unrealized
  &nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;cost
  &nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;gain
  &nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;loss
  &nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;Fair
  value </font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">U.S. Treasury securities</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  903,134,358 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (7,051,209)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  896,083,149 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Obligations of Puerto Rico and</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">political subdivisions</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,785,000 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (2,201,192)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,583,808 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Mortgage-backed securities</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  230,765,853 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  39,053 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (7,540,346)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  223,264,560 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;
  1,139,685,211 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  39,053 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (16,792,747)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  1,122,931,517 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">The following tables present the Bank&#8217;s
fair value and gross unrealized losses of investment securities available for
sale by investment category and length of time that individual securities have
been in an unrealized loss position at October 31, 2019 and 2018.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:15.75pt;">
  <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=70% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=21% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Less than 12
  months</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=22% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">12 months or
  more</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Gross</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Gross</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Gross</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Fair</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Fair</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Fair</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">unrealized</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">losses</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">losses</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">losses</font></b></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=7 nowrap valign=bottom width=28% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">U.S. Treasury securities</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160; 49,979,000 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (17,336)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 49,979,000 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (17,336)</font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=8 nowrap valign=bottom width=30% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Obligations of Puerto Rico and</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:16.15pt;">
  <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=25% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">political subdivisions</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,371,550 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160; (1,698,450)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,371,550 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160; (1,698,450)</font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=7 nowrap valign=bottom width=28% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Mortgage-backed securities</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160; 56,473,778 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160; (1,146,015)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 56,473,778 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160; (1,146,015)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;
  109,824,328 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;
  (2,861,801)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;
  109,824,328 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;
  (2,861,801)</font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=70% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=21% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Less than 12
  months</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=22% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">12 months or
  more</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=23% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Gross</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Gross</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Gross</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Fair</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Fair</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Fair</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">unrealized</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">losses</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">losses</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">losses</font></b></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=7 nowrap valign=bottom width=28% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">U.S. Treasury securities</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;
  611,653,000 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;
  (4,234,656)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;
  249,430,149 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;
  (2,816,553)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;
  861,083,149 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;
  (7,051,209)</font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=8 nowrap valign=bottom width=30% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Obligations of Puerto Rico and</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:16.15pt;">
  <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=25% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">political subdivisions</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,583,808 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160; (2,201,192)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,583,808 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;
  (2,201,192)</font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=7 nowrap valign=bottom width=28% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">Mortgage-backed securities</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;
  101,359,460 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;
  (1,543,516)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;
  120,830,149 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;
  (5,996,830)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;
  222,189,609 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;&#160;&#160;&#160;
  (7,540,346)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;
  713,012,460 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;
  (5,778,172)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;
  373,844,106 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;
  (11,014,575)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;
  1,086,856,566 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:12.0pt;">&#160;&#160;
  (16,792,747)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Gross unrealized losses on securities
available for sale as of October 31, 2019 and 2018 amounted to $2.9 million and
$16.8 million, respectively. Management evaluates investment securities for
OTTI declines in fair value on a quarterly </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_33"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">basis. Once
a decline in value is determined to be other&#8209;than&#8209;temporary, the
value of a debt security is reduced and a corresponding charge to earnings is
recognized for anticipated credit losses. At October 31, 2019 and 2018,
management performed its analysis of the investment securities in an unrealized
loss position and concluded the securities were not other&#8209;than&#8209;temporarily
impaired as of such date. Management has determined, based on its evaluation of
the counterparty&#8217;s financial position and the fact that all principal and
interest payments have been received as scheduled, there is no exposure to a
credit loss related to these securities and expects to collect the remaining
principal and interest in accordance with the securities agreements. The
decrease in fair value is related to market risk. As of October&nbsp;31, 2019,
the Bank does not have the intent to sell debt securities in an unrealized loss
position and it is not likely</font><b><i><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;"> </font></i></b><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">that the Bank will have to sell the
investment securities prior to recovery of their amortized&#8209;cost basis.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The contractual
maturities of securities available for sale at October&nbsp;31, 2019 were as
follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortized</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">cost</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fair
  value</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=60% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due within one year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">410,425,400&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">412,006,750&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap valign=bottom width=60% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due from one to five years</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">58,150,312&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">57,342,550&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=60% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due from five to ten years</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">85,034,875&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">86,378,410&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=60% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due after ten years</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">100,073,631&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">99,629,740&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">653,684,218&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">655,357,450&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Securities not due on a single
contractual maturity date, such as mortgage&#8209;backed securities are
classified in the period of final contractual maturity. Expected maturities
will differ from contractual maturities because the borrower may have the right
to call or prepay obligations.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net proceeds from the sale of
investment securities available for sale during the year ended October 31, 2019
amounted to approximately $186.8 million and the realized gain on those sales
amounted to $3.4 million. No sales of investments securities available for sale
were performed during 2018 and 2017.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(7)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans&nbsp;</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
Bank&#8217;s loan portfolio is comprised of covered loans and noncovered loans.&#160;
Covered loans were loans acquired during the FDIC-assisted transaction and
subject to the loss share agreements previously described in note 4 and
accounted for under the provisions of ASC Sub Topic 310-30.&#160; Noncovered loans
include any loans originated before or after the April 30, 2010 FDIC-assisted
transaction (originated noncovered loans) or loans that have lost coverage or
its guarantee has expired (acquired noncovered loans).&#160; Acquired noncovered
loans are accounted for under the provisions of ASC Subtopic 310-30 and
originated noncovered loans are accounted for under the provisions of ASC
Subtopic 310-20.&#160; </font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_34"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31, 2019 and 2018, the Bank&#8217;s loan portfolio, net of unearned
income (including mortgage loans held for sale) consisted of the following:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Noncovered
  loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:16.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td rowspan=2 valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Acquired
  </font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td rowspan=2 valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Originated</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td rowspan=2 valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160; 117,153,192 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 303,900,586 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  421,053,778 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160; 891,019,030 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 467,291,920 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,358,310,950 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td colspan=5 nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Consumer:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=28% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,943,330 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,748,071 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  23,691,401 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Auto loans</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 192,135,615 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  192,135,615 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=28% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Auto leasing</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,008,583 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  51,008,583 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=28% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 89,266 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 48,289,372 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  48,378,638 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total loans held in portfolio</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;
  1,021,204,818 </font></p>
  </td>
 <td nowrap width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;
  1,073,374,147 </font></p>
  </td>
 <td nowrap width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,094,578,965 </font></p>
  </td>
 <td nowrap width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Deferred loan fees, net</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,692,093)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (7,692,093)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Allowance for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160; (81,784,041)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; (25,053,959)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (106,838,000)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  939,420,777 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;
  1,040,628,095 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,980,048,872 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,978,254 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  12,978,254 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  939,420,777 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;
  1,053,606,349 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,993,027,126 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=66% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Noncovered
  loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td rowspan=2 valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Acquired
  </font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td rowspan=2 valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Originated</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td rowspan=2 valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Covered
  </font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160; 229,912,687 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 361,877,242 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  591,789,929 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  591,789,929 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;228,750 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 513,025,463 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  513,254,213 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;
  1,042,721,821 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,555,976,034 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td colspan=5 nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Consumer:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=28% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,534,694 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,487,255 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  26,021,949 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;26,021,949 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Auto loans</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; 236,025,864 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  236,025,864 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  236,025,864 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=28% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Auto leasing</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 52,803,080 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  52,803,080 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  52,803,080 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=28% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 132,977 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 50,919,694 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  51,052,671 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  51,052,671 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total loans held in portfolio</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  243,809,108 </font></p>
  </td>
 <td nowrap width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;
  1,227,138,598 </font></p>
  </td>
 <td nowrap width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,470,947,706 </font></p>
  </td>
 <td nowrap width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;
  1,042,721,821 </font></p>
  </td>
 <td nowrap width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,513,669,527 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Deferred loan fees, net</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,442,957)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,442,957)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,442,957)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Allowance for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160; (93,432,086)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; (37,512,557)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (130,944,643)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;
  (119,146,717)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (250,091,360)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  150,377,022 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;
  1,183,183,084 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,333,560,106 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  923,575,104 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,257,135,210 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td colspan=7 nowrap valign=bottom width=31% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,729,439 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  18,729,439 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  18,729,439 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  150,377,022 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;
  1,201,912,523 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,352,289,545 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  923,575,104 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&#160;&#160;&#160;&#160;&#160;
  2,275,864,649 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:19.15pt;page-break-inside:avoid;">
  <td colspan=7 nowrap width=31% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><sup><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">(1)</font></sup><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;"> Includes
  construction loans.</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:19.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(a)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Noncovered Loans</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following
table presents the aging of the recorded investment in gross noncovered loans
(excluding mortgage loans held for sale), net of unearned income at October 31,
2019 and 2018:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=69% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">30&#8211;59</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">60&#8211;89</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">90
  days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">or
  more</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">past
  due</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Current</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">loans</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Noncovered loans:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.6pt;">
  <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=26% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">9,142,919</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">1,782,249</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">51,994,349</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">62,919,517</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">358,134,261</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">421,053,778</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=26% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">16,904,203</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">6,278,761</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">156,271,483</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">179,454,447</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">1,178,856,503</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">1,358,310,950</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=26% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Consumer:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=23% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">214,048</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">114,143</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">313,771</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">641,962</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">23,049,439</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">23,691,401</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=23% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Auto loans</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">2,663,388</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">1,054,596</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">320,626</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">4,038,610</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">188,097,005</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">192,135,615</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=23% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Auto leasing</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">202,122</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">207,029</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">67,150</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">476,301</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">50,532,282</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">51,008,583</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=23% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">98,807</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">67,645</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">175,784</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">342,236</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">48,036,402</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">48,378,638</font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=16% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">29,225,487</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">9,504,423</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">209,143,163</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">247,873,073</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">1,846,705,892</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">2,094,578,965</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=69% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">30&#8211;59</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">60&#8211;89</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">90
  days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">or
  more</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">past
  due</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Current</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">loans</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Noncovered loans:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.6pt;">
  <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=26% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">39,688,842</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">5,122,545</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">84,276,409</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">129,087,796</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">462,702,133</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">591,789,929</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=26% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">6,849,468</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">2,462,594</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">161,248,314</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">170,560,376</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">342,693,837</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">513,254,213</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=26% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Consumer:</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=23% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">245,272</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">194,405</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">384,621</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">824,298</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">25,197,651</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">26,021,949</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=23% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Auto loans</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">3,822,354</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">894,994</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">198,203</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">4,915,551</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">231,110,313</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">236,025,864</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=23% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Auto leasing</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">530,949</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">260,605</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">37,640</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">829,194</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">51,973,886</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">52,803,080</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=23% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">339,227</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">44,776</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">185,444</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">569,447</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">50,483,224</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">51,052,671</font></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=16% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">51,476,112</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">8,979,919</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">246,330,631</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">306,786,662</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">1,164,161,044</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">1,470,947,706</font></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><sup><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">(1)</font></sup><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;"> Includes
  construction loans.</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The delinquencies for
mortgage loans are impacted by the loan moratorium implemented for loans with a
delinquency status of 90 days past due as of October 31, 2019 and 2018 include
approximately $60.1 million and $92.9 million, respectively, in loans
previously pooled into GNMA securities. Under the GNMA program, issuers such as
the Bank have the option but not the obligation to repurchase loans that are 90
days or more past due. For accounting purposes, these loans subject to the
repurchase option are required to be reflected on the financial statements of
the Bank with an offsetting liability. While the borrowers for our serviced
GNMA portfolio benefited from the loan payment moratorium, the delinquency
status of these loans continued to be reported to GNMA without considering the
moratorium. </font></p>




<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_36"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
following table presents originated noncovered loans accounted for under ASC
310-20 (excluding mortgage loans held for sale), that are in nonaccrual status
and accruing loans past due 90&nbsp;days or more at October 31, 2019 and 2018:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=29% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=28% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accruing</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accruing</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Nonaccrual</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">past
  due 90</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Nonaccrual</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">past
  due 90</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">days
  or more</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">days
  or more</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">34,261,106&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">26,258,784&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=8 nowrap valign=bottom width=39% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans <sup>(2)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">136,806,419&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">180,523,875&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">190,337&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">256,307&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Auto loans</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,903,444&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6,725&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,429,865&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">22,060&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Auto leasing</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">332,985&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">601,423&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">174,789&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11,139&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">205,649&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,982&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">173,669,080&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">17,864&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">210,275,903&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">27,042&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:1.0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(1)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commercial and industrial
nonaccrual loans mainly consist of $2.9 million and $7.7&nbsp;million in loans
from public sector borrowers as of October 31, 2019 and 2018, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:1.0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(2)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Nonaccrual loans include $60.1
million and $92.9 million as of October 31, 2019 and 2018, respectively, of
loans under the GNMA&#8217;s buy-back option program.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The additional gross interest
income that would have been recognized had these loans been accruing interest
in accordance with their contractual terms amounted to approximately
$6.5&nbsp;million, $6.0 million and $15.2 million during the years ended
October 31, 2019, 2018 and 2017, respectively. Interest income recognized on a
cash basis on nonaccrual loans amounted to approximately $194,000, $523,000 and
$581,000 during the years ended October 31, 2019, 2018 and 2017, respectively.</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(b)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Credit Quality Indicators</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank categorizes
originated noncovered loans into risk categories based on relevant information
about the ability of borrowers to service their debt such as: economic
conditions, portfolio risk characteristics, prior loss experience, and results
of periodic credit reviews of individual loans.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Larger commercial and
industrial and construction loans that exhibit potential or observed credit
weaknesses are subject to individual review and grading. Where appropriate,
allowances are allocated to individual loans based on management&#8217;s estimate of
the borrower&#8217;s ability to repay the loan given the availability of collateral,
other sources of cash flow and legal options available to the Bank.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Included in the review of
individual loans are those that are impaired. A loan is considered impaired
when, based on current information and events, it is probable that the Bank
will be unable to collect the schedule payments of principal and interest when
due according to the contractual terms of the loan agreement. Impaired loans
are measured based on the present value of expected cash flows discounted at
the loan&#8217;s effective interest rate, or as a practical expedient, at the
observable market price of the loan or the fair value of the collateral, if the
loan is collateral dependent. Loans are individually evaluated for impairment,
except large groups of small balance homogeneous loans that are collectively
evaluated for impairment, and loans that are recorded at fair value or at the
lower of cost or fair value. The Bank measures for impairment commercial and
industrial, construction, and residential mortgage loans with an outstanding
book balance over $500,000. The other loan portfolios not evaluated
specifically are considered homogeneous, and are evaluated collectively for
impairment.</font></p>


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</DIV>
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<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank uses the following definitions for risk ratings:</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Pass</font></i></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">:&nbsp;</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> Loans
classified as pass have an acceptable risk with no potential weaknesses
apparent. Borrower is characterized by adequate earnings and sufficient cash
flow to service debts. Collateral is in place and financial covenants are met.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Special Mention</font></i></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">:&nbsp;</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> Loans
classified as special mention are loans that have a potential weakness that
deserves management&#8217;s close attention. If left uncorrected, these potential
weaknesses may result in deterioration of the repayment prospects for the loan
or of the institution&#8217;s credit position at some future date.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Substandard</font></i></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">:&nbsp;</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> Loans
classified as substandard are inadequately protected by the current net worth
and paying capacity of the obligor or of the collateral pledged, if any. Loans
so classified have a well&#8209;defined weakness or weaknesses that jeopardize
the liquidation of the debt. They are characterized by the distinct possibility
that the institution will sustain some loss if the deficiencies are not
corrected.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Doubtful</font></i></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">:&nbsp;</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> Loans
classified as doubtful have all the weaknesses inherent in those classified as
substandard, with the added characteristics that the weaknesses make collection
or liquidation in full, on the basis of currently existing facts, conditions,
and values, questionable and improbable.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loss</font></i></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">: </font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Uncollectible
and of such little value that continuance as a bankable asset is not warranted.
This classification does not mean that the asset has absolutely no recovery or
salvage value, but rather it is not practical or desirable to defer writing off
this asset even though partial recovery may be effected in the future.</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
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<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of October 31, 2019 and 2018, and based on the most recent analysis
performed, the risk category of originated and acquired noncovered loans
subject to risk rating is as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=67% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Pass/</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Special</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">unrated</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">mention</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Substandard</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Doubtful</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loss</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap valign=bottom width=30% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered
  loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><u><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Originated</font></u></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=27% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial
  and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">225,391,418&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">12,631,165</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">65,878,003</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">303,900,586&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=27% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential
  mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">428,791,540&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">38,500,380</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">467,291,920&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">299,534,315&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,631,843</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">15,483</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">302,181,641&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><u><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Acquired</font></u></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=27% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial
  and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">54,645,567&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,697,013&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">59,196,868</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">613,744&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">117,153,192&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=27% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential
  mortgage loans <sup>(2)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">836,795,694&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">54,223,336</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212; &#160;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">891,019,030&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">12,818,209&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">90,953&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">123,434</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">13,032,596&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=15% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,857,976,743</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">15,419,131</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">220,553,864</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">613,744</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">15,483</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,094,578,965</font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=67% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Pass/</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Special</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">unrated</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">mention</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Substandard</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Doubtful</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loss</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap valign=bottom width=30% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered
  loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><u><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Originated</font></u></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=27% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial
  and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">246,129,550&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">34,324,722</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">81,362,035</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">60,935</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">361,877,242&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=27% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential
  mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">427,973,452&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">85,052,011</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">513,025,463&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">348,678,564&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,557,329</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">352,235,893&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><u><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Acquired</font></u></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=27% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial
  and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">114,184,746&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">23,329,842&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">90,838,675</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,559,424&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">229,912,687&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=27% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential
  mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">228,750&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">228,750&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">13,539,357&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">128,314</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">13,667,671&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=15% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,150,734,419</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">57,654,564</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">260,938,364</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,620,359</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,470,947,706</font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap valign=bottom width=30% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(1) Includes construction loans.</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=17 nowrap valign=bottom width=87% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(2) Due to the Termination Agreement with the FDIC, covered
  loans amounting to approximately $977.0 million as of July 2019 were&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=30% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">transferred to noncovered acquired loans.</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of October 31, 2019 and
2018, the Bank had outstanding credit facilities of approximately $2.9 million
and $7.7 million, respectively, granted directly to the Puerto Rico Government,
including its instrumentalities, public corporations and municipalities.&#160; A
substantial portion of the Bank&#8217;s credit exposure to the Puerto Rico Government
consists of collateralized loans or obligations that have specific source of
income or revenue identified for repayment. </font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(c)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Covered and Noncovered&#160; Loans
accounted for under ASC 310-30</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans acquired in the FDIC&#8209;assisted
transaction are accounted for by the Bank in accordance with ASC 310&#8209;30.
Under ASC 310&#8209;30, these loans were aggregated into pools based on similar
characteristics. Each loan pool is accounted for as a single asset with a
single composite interest rate and an aggregate expectation of cash flows. The
acquired loans are not reported as nonperforming and will continue to have an
accretable yield as long as there is a reasonable expectation about the timing
and amount of cash flows expected to be collected.</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_39"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans
under ASC 310&#8209;30 are those loans showing evidence of credit
deterioration, and it is probable, at the date of acquisition, that the Bank
will not collect all contractually required principal and interest payments.
Generally, acquired loans that meet the Bank&#8217;s definition for nonaccrual status
fall within the definition of loans under ASC 310&#8209;30. Also, if a
definitive conclusion cannot be reached based on information that is readily
available as to whether it is probable that all of the contractual required
payments will not be collected on a loan, an election was made to apply the
accretable yield method, as a loan with credit deterioration and impairment.
These loans are disclosed as loans that were acquired with credit deterioration
and impairment. The following tables reflect the carrying value of all acquired
impaired and nonimpaired loans as of October 31, 2019 and 2018. Some loans may
be reclassified from covered to acquired noncovered loans population due to
various reasons including, the loss of the guarantee provided by the FDIC or
adjustments due to agreements reached with the FDIC; however, they will remain
in the population accounted for under ASC 310&#8209;30. </font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=54% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchased</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchased</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">impaired</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">nonimpaired</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  9,125,503 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  85,842,063 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;94,967,566 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  317,387,254 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  523,420,790 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  840,808,044 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  3,555,901 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,555,901 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  36,331 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  52,935 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  89,266 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total ASC 310-30</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  326,549,088 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  612,871,689 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  939,420,777 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Less loans transferred from covered</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans to noncovered loans and </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">accounted for under ASC 310-30</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (326,549,088)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (612,871,689)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (939,420,777)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total covered loans, net</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><sup><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(1)</font></sup><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;"> Includes
  construction loans.</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=54% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchased</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchased</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">impaired</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">nonimpaired</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  14,745,422 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  131,539,065 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  146,284,487 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  346,082,841 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  577,721,013 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  923,803,854 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,730,809 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,730,809 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  76,851 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  56,125 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  132,976 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total ASC 310-30</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  360,905,114 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  713,047,012 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  1,073,952,126 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Less loans transferred from covered</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans to noncovered loans and </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">accounted for under ASC 310-30</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (14,926,241)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (135,450,781)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  (150,377,022)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total covered loans, net</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  345,978,873 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  577,596,231 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  923,575,104 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><sup><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&nbsp;</font></sup></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><sup><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(1) </font></sup><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Includes construction loans.</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_40"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following tables present gross loans by past&#8209;due status at
October 31, 2018 for covered loans held in portfolio. No covered loans were
outstanding at October 31, 2019.</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=72% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">30&#8211;59</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">60&#8211;89</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">90
  days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">days</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">or
  more</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">past
  due</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Current</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">loans</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=25% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Covered loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=23% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">18,057,353&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">9,016,717&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">43,656,149&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">70,730,219&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">971,991,602</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:11.0pt;">1,042,721,821</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Changes in the carrying
amount and accretable yield for purchased impaired and nonimpaired loans
accounted for under ASC 310&#8209;30 for the years ended October 31, 2019 and
2018 were as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchased
  impaired</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchased
  nonimpaired</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Carrying</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Carrying</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accretable</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accretable</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">amount</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">yield</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">of
  loans</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">yield</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">of
  loans</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=40% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2017</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;
  420,515,964 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  451,902,798 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;
  461,338,040 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  813,599,620 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accretion</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (43,847,773)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  43,847,773 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (54,635,068)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  54,635,068 </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=8 nowrap valign=bottom width=43% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Collections received and charge-offs, net</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (120,767,245)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (144,362,284)</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impairment</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  (14,078,212)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  (10,825,392)</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=40% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Reclassification from (to)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">nonaccretable difference</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (25,465,995)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  (4,528,691)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=40% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2018</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;
  351,202,196 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  360,905,114 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;
  402,174,281 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  713,047,012 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accretion</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (35,115,872)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  35,115,872 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (41,916,608)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  41,916,608 </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=8 nowrap valign=bottom width=43% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Collections received and charge-offs, net</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  (72,017,943)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (142,935,197)</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impairment</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  2,546,045 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;843,266 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=40% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Reclassification from (to)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">nonaccretable difference</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (21,551,503)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  (46,431,342)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=40% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2019</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;
  294,534,821 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  326,549,088 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;
  313,826,331 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  612,871,689 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(d)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Allowance for Loan and Lease
Losses</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following
analysis summarizes the changes in the allowance for loan and lease losses for
the years ended October&nbsp;31 (in thousands):</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=25% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=25% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Covered</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Covered</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=43% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  130,944 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  119,147 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  175,289 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  104,438 </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=3 nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Add:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=8 nowrap valign=bottom width=55% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Reversal of) provision for loan and lease</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">losses</font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (18,687)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,512 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (22,813)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  35,044 </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recoveries</font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,758 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  9,431 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=43% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance transferred from covered loans</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  48,443 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=4 nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deduct:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=39% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loans charged off</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (10,166)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (30,963)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (20,335)</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=39% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance derecognition</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (51,454)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (76,216)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=43% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance transferred to noncovered loans</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (48,443)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=43% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at end of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  106,838 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  130,944 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  119,147 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following tables present
balances as of October 31, 2019 and 2018 in the allowance for loan and lease
losses in non-covered and covered loans by portfolio segment (in thousands):</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_41"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=8 nowrap valign=bottom width=53% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">and
  industrial <sup>(1)</sup></font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">mortgages</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 <td width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.65pt;">
  <td colspan=7 nowrap valign=bottom width=44% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance for loan and lease losses noncovered loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  102,432 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  14,146 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  14,366 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  130,944 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=9% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Add:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Reversal of) provision for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (14,487)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  107 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (4,307)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (18,687)</font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recoveries</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,744 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  825 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,189 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,758 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance transferred from covered loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  48,443 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  48,443 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deduct:</font></p>
  </td>
 <td nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loans charged off</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,122)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (3,894)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (4,150)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (10,166)</font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance derecognition</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (51,372)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;(82)&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (51,454)</font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at end of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  36,195 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  59,627 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  11,016 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  106,838 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td colspan=7 nowrap valign=bottom width=44% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance for loan and lease losses covered loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  119,147 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  119,147 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=9% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Add: </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Provision for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,512 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;- &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,512 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deduct:</font></p>
  </td>
 <td nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance derecognition</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (76,216)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (76,216)</font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance transferred to noncovered loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (48,443)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (48,443)</font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at end of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=8 nowrap valign=bottom width=53% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">and
  industrial <sup>(1)</sup></font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">mortgages</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 <td width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.65pt;">
  <td colspan=7 nowrap valign=bottom width=44% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance for loan and lease losses noncovered loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  140,123 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  18,901 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;16,265 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  175,289 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=9% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Add:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Reversal of provision for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (21,116)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,044)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (653)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (22,813)</font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recoveries</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,349 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  366 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  7,716 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  9,431 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deduct:</font></p>
  </td>
 <td nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loans charged off</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (17,924)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (4,077)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (8,962)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (30,963)</font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at end of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  102,432 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  14,146 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  14,366 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  130,944 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td colspan=7 nowrap valign=bottom width=44% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance for loan and lease losses covered loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  104,438 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  104,438 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=9% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Add: </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Provision for loan and lease losses</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  35,044 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  35,044 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deduct:</font></p>
  </td>
 <td nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=35% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loans charged off</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (20,335)</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (20,335)</font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at end of year</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  119,147 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  119,147 </font></p>
  </td>
 <td width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#160;<sup>(1) </sup>Includes
construction loans.</font></p>




<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_42"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
following tables present balances at October 31, 2019 and 2018 in the allowance
for loan and lease losses and the recorded investment in originated noncovered
loans accounted for under ASC 310-20 by portfolio segment (in thousands):</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
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 <td nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
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 <td colspan=7 nowrap valign=bottom width=50% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
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 <td nowrap valign=bottom width=5% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential</font></b></p>
  </td>
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 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.6pt;">
  <td nowrap valign=bottom width=4% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
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 <td nowrap valign=bottom width=5% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">and
  industrial <sup>(1)</sup></font></b></p>
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 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">mortgages</font></b></p>
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 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer</font></b></p>
  </td>
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 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:11.65pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance for loan and lease</font></p>
  </td>
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 <td nowrap valign=bottom width=14% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.65pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">losses accounted under ASC 310-20:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ending allowance balance attributable loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Individually evaluated for impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,659&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5,335&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">40&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,034&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Collectively evaluated for impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,169&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5,850&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,001&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">17,020&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">12,828&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11,185&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,041&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">25,054&#160; </font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=4% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=2 nowrap valign=bottom width=9% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loans:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Individually evaluated for impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">37,566&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">99,614&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">267&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">137,447&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Collectively evaluated for impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">266,335&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">367,678&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">301,914&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">935,927&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">303,901&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">467,292&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">302,181&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,073,374&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=50% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.6pt;">
  <td nowrap valign=bottom width=4% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">and
  industrial <sup>(1)</sup></font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">mortgages</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:11.65pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance for loan and lease</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.65pt;">
  <td colspan=7 nowrap valign=bottom width=47% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">losses accounted under ASC 310-20:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=38% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ending allowance balance attributable loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Individually evaluated for impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,300&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6,798&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">29&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11,127&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Collectively evaluated for impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">15,105&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">7,348&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,933&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">26,386&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">19,405&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">14,146&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,962&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">37,513&#160; </font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap valign=bottom width=4% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.65pt;">
  <td colspan=2 nowrap valign=bottom width=9% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loans:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Individually evaluated for impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">51,473&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">111,993&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">197&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">163,663&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=43% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Collectively evaluated for impairment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">310,404&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">401,032&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">352,039&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,063,475&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">361,877&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">513,025&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">352,236&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,227,138&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:1.0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><sup><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(1) </font></sup><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Includes construction loans.</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_43"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Information regarding impaired originated noncovered loans accounted
under ASC 310-20 for the years ended October 31, 2019 and 2018 is as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:15.6pt;">
  <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=65% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Average</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unpaid</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Specific</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">income</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">principal</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recognized</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impaired loans with specific</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance:</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">32,142,351&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">27,233,460&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,658,742&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">29,801,687&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">16,101&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">49,611,589&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">40,731,506&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5,334,819&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">42,509,690&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">174,715&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">174,715&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">40,014&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">177,224&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impaired loans with no specific</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance:</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">21,136,051&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,333,381&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">12,089,616&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">485,225&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">60,730,940&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">58,882,322&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">56,318,994&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">92,035&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">92,035&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">59,282&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total impaired</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">163,887,681&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">137,447,419&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,033,575&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">140,956,493&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">501,328&#160; </font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=65% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Average</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unpaid</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Specific</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">income</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">principal</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recognized</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impaired loans with specific</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance:</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">19,373,585&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">9,650,319&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,299,903&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,269,881&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">115,701&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">76,781,657&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">65,720,056&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6,798,219&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">67,665,023&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">186,896&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">186,896&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">29,020&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">216,876&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impaired loans with no specific</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance:</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">50,210,898&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">41,823,164&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">42,168,172&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,975,796&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">46,967,167&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">46,272,970&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">38,211,746&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,032&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,032&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,793&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=17% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total impaired</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">193,530,235&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double windowtext 2.25pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">163,663,437&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double windowtext 2.25pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11,127,142&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">158,536,491&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:double windowtext 2.25pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,091,497&#160; </font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:16.9pt;">
  <td colspan=7 nowrap width=32% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><sup><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(1) </font></sup><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Includes
  construction loans.</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank transfers mortgages
held for investment to held for sale and from held for sale to held for
investment. During 2019 and 2018, the total balance transferred to held for
sale from held for investment amounted to approximately $1.5 million and $9.7
million, respectively.</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_44"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Information regarding acquired loans accounted under ASC 310-30 and the
related balance of pools with an adverse change in expected cash flows and the
related allowance for loan and lease losses at October 31, 2019 and 2018 is as
follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:14.45pt;">
  <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=65% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Average</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment,</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unpaid</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">net</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment,
  </font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">income</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">principal</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">of
  allowance</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">net
  of allowance</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recognized</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered loans with general</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance:</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">135,894,237</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">94,967,567</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">22,185,625</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">101,589,936</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">9,498,981</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">927,073,004</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">840,808,043</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">50,210,987</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">874,789,872</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">65,061,955</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,879,579</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,555,901</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">9,387,429</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,142,418</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,299,785</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=23% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Auto leasing</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,743</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=23% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,390</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">89,266</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">87,545</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">169,016</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total loans accounted </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">for under ASC 310-30</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,071,855,210</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">939,420,777</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">81,784,041</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">979,609,771</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:double windowtext 2.25pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">77,032,480</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=9 nowrap valign=bottom width=65% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Average</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment,</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unpaid</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">net</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment,
  </font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">income</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">principal</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">of
  allowance</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">net
  of allowance</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recognized</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered loans with general</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance:</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial <sup>(1)</sup></font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">207,180,753</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">146,284,487</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">83,628,200</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">160,776,931</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">17,585,558</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">562,003</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">228,750</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">346,368</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">59,903</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=23% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Credit cards</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,255,258</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,730,809</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">9,803,886</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,155,892</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,873,558</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=23% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Auto leasing</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=23% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Personal loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5,540</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  132,976 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">148,685</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">141,462</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Covered loans with general</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=15% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">allowance:</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=26% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,013,435,949</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">923,575,104</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">119,146,717</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,013,301,780</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">77,822,360</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total loans accounted </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=17% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">for under ASC 310-30</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,231,439,503</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,073,952,126</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:double windowtext 2.25pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">212,578,803</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double windowtext 2.25pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,176,729,656</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:double windowtext 2.25pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">98,482,841</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap width=32% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;<sup>(1) </sup>Includes construction loans.</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(e)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Modifications&nbsp;</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank engages in the
restructuring of the debt of borrowers that are delinquent due to economic or
legal reasons if the Bank determines that it is in the best interest for both
the Bank and the borrower to do so. In some cases, due to the nature of the
borrower&#8217;s financial condition, the restructuring or loan modification meets
the definition of a Troubled Debt Restructuring (TDR). A modification of a loan
constitutes a TDR when a borrower is experiencing financial difficulty and the
modification constitutes a concession. Commercial and industrial loans modified
often involve temporary interest&#8209;only payments, term extensions,
converting revolving lines into long&#8209;term loans, and extending maturity
date at an interest rate lower than current market rate for new debt of similar
risk or reductions. Construction loans modified often involve extending the
interest only payment period. Residential mortgage loans modified in a TDR
primarily comprise loans where monthly payments are lowered to accommodate the
borrower&#8217;s financial needs for a period of time. Auto loans modified in a TDR
primarily comprise loans where the Bank has lowered monthly payments by
extending the term. Credit card loans modified primarily comprise loans where
monthly payments are lowered to accommodate the borrower&#8217;s financial needs for
a period of time.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Such restructurings are
identified as TDRs and accounted for based on the provisions of ASC 310&#8209;20.
At October 31, 2019 and 2018, the Bank had loans aggregating to approximately
$60.3&nbsp;million and $52.3&nbsp;million, respectively, for which the original
terms of the loans had been restructured due to deterioration in the financial
condition of the borrower and, therefore, have been accounted for as TDRs. At
October 31, 2019 and 2018, the </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_45"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">TDRs had an allocated
allowance for loan and lease losses amounting to approximately $3.0 million and
$2.9 million, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following
table presents the loan count by type of modification for those loans modified
in a TDR during the years ended October 31, 2019 and 2018:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=61% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Combination</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">of
  reduction</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">in
  interest</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">rate
  and</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Reduction
  in</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Extension
  of</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">extension
  of</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">interest
  rate</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">maturity
  date</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">maturity
  date</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">16&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">142&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">23&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">21&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">21&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">16&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">142&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">24&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=61% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Combination</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">of
  reduction</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">in
  interest</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">rate
  and</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Reduction
  in</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Extension
  of</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">extension
  of</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">interest
  rate</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">maturity
  date</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">maturity
  date</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">50&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=7 nowrap valign=bottom width=35% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">16&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">19&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">50&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table presents by
class, quantitative information related to loans modified as TDRs during the
years ended October 31, 2019 and 2018:</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=53% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Pre-</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Post-</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">modification</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">modification</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">outstanding</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">outstanding</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loan
  count</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">953,684&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">953,684&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">158&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">21,286,721&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">19,814,612&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">21&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">157,545&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">155,075&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">180&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">22,397,950&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">20,923,371&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=53% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Pre-</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Post-</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">modification</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">modification</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">outstanding</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">outstanding</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loan
  count</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">113,846&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">113,846&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">61&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,299,330&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,037,805&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=42% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">16&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">67,636&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">67,019&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">79&#160; &#160;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,480,812&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,218,670&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table presents
by class, loans modified in a TDR that were subject to payment default and that
had been modified as a TDR during the twelve&nbsp;months preceding the default
date. Payment default is defined as a restructured loan becoming 90&nbsp;days past
due after being modified, foreclosed or charged off, whichever occurs first.
The recorded investment as of October 31, 2019 and 2018 is inclusive of all
partial pay&#8209;downs and charge&#8209;offs since the modification date.
Loans modified as a TDR that were fully paid down, charged off, or foreclosed
upon the period&#8209;end are not reported.</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=34% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recorded</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loan
  count</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">15&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,190,501&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">96&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11,808,888&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">19,755&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=38% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">112&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">22,019,144&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=34% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Recorded</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=34% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loan
  count</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Commercial and industrial</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">13&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">12,409,480&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Residential mortgage loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">44&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5,516,054&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Consumer loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,392&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=38% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">58&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">17,926,926&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(8)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Pledged Assets</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31, 2019 and 2018,
certain investment securities and loans were pledged principally to secure
public and trust deposits and Federal Home Loan Bank advances. The
classification and carrying amount as of October&nbsp;31 of the Bank&#8217;s pledged
assets, in which the secured parties are not permitted to sell or repledge the
collateral, were as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=60% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Investment securities available for sale</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">38,424,050&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">40,978,308&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=60% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncovered loans</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">309,730,983&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">343,756,832&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">348,155,033&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">384,735,140&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(9)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Premises and Equipment, Net</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At
October&nbsp;31, the components of premises and equipment and related
accumulated depreciation and amortization were as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Estimated</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">useful</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">lives
  (years)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=3 nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Land</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  90,000 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  90,000 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Leasehold improvements</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5&#8211;25</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  13,632,603 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  13,496,515 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Furniture, fixtures, and equipment</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3&#8211;10</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  18,816,368 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  22,416,105 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Motor vehicles</font></p>
  </td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  129,627 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  147,122 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=4 nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Software</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  753,235 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  740,326 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Construction in progress</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  320,870 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  33,421,833 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  37,210,938 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Less accumulated depreciation and</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">amortization</font></p>
  </td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (26,064,449)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (27,638,781)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=26% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Premises and equipment, net</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  7,357,384 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  9,572,157 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total depreciation expense for
the years ended October 31, 2019, 2018 and 2017 amounted to approximately
$3.0&nbsp;million, $2.7&nbsp;million and $3.3 million, respectively. During
2019 and 2017, approximately $139,000 and $173,000, respectively, of the
depreciation expense corresponded to accelerated depreciation expense
recognized due to branch closures. There were no accelerated depreciation
expenses recorded as of October 31, 2018.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31, 2017,
management identified specific premises and equipment impairments amounting to
approximately $42,000 which are reported as part of other noninterest expense
in the consolidated statements of operations. No impairment was recognized
during the years ended October 31, 2019 and 2018.</font></p>




<p style="margin:0in;margin-bottom:.0001pt;"><b><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(10)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other Assets</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other assets at
October&nbsp;31 consist of the following:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Prepaid pension cost</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">13,850,206&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">14,264,804&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">40,526,506&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">45,138,493&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other prepaid expenses</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6,121,194&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5,302,253&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accounts receivable and recoverable charges</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">22,320,636&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">20,402,994&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Federal Home Loan Bank stock</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,569,000&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,720,200&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Mortgage-servicing advances, net</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">12,667,112&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">14,612,713&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">132,333&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,913,748&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Prepaid income taxes</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">26,299,883&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">36,843,449&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unsettled transactions</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6,939,478&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,504,784&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,434,860&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">135,931,132&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">145,633,514&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(11)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Deposits&nbsp;</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total deposits, as of October
31, 2019 and 2018 consist of the following: </font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:16.9pt;">
  <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=47% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=62% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Non-interest bearing demand deposits</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">531,458,759</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">581,945,160</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=62% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest bearing demand deposits, including NOW accounts</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">804,204,739</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">872,460,775</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=62% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Savings accounts</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">536,203,053</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">656,429,011</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=62% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Time deposits</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">791,484,167</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">831,926,356</font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=50% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total deposits</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,663,350,718</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,942,761,302</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31, 2019 and 2018,
the aggregate amount of time deposits in denominations of $250,000 or more
amounted to approximately $314.9 million and $318.5 million, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31,
2019 and 2018, the scheduled maturities of time deposits were as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=33% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=59% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due within one year</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 371,850,796 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 341,536,619 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=59% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due after one through two years</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 266,543,772 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 259,622,035 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=59% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due after two through three years</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; 66,189,563 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; 138,193,673 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=59% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due after three through four years</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; 48,808,795 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; 34,951,727 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=59% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due after four through five years</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; 37,299,416 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; 56,690,176 </font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=7 nowrap valign=bottom width=59% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Due after five years</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 791,825 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 932,126 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=33% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">791,484,167 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">831,926,356 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank also has other
wholesale deposits amounting to approximately $4.8&nbsp;million and
$16.7&nbsp;million as of October 31, 2019 and 2018, respectively.</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_49"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">A summary of interest expense on deposits for the years ended
October&nbsp;31 is as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.95pt;">
  <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=25% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=49% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Demand deposits and saving accounts</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">7,163,121&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,520,702&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,281,360&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Time deposits</font></p>
  </td>
 <td nowrap valign=bottom width=25% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,820,019&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,775,905&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.95pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11,812,595&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=25% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">17,983,140&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">19,296,607&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">20,093,955&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
aggregate amount of overdrafts in demand deposit accounts that were
reclassified to loans amounted to approximately $289,000 and $207,000 as of
October 31, 2019 and 2018, respectively.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(12)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mortgage Banking Activities</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank&#8217;s mortgage banking
activities consist of originating first and second&nbsp;lien mortgage loans on
residential real estate (1&#8211;4 families) and servicing mortgage loans, including
certain mortgage loans it had originated and subsequently sold. The Bank
originates Federal Housing Administration (FHA) insured and Veterans
Administration (VA) guaranteed mortgages that are primarily securitized for
issuance of GNMA mortgage&#8209;backed securities, which can be sold to
individuals or institutional investors in the secondary market. Conventional
loans that meet the underwriting requirements for sale or exchange under
standard FNMA or FHLMC programs are sold to FNMA or FHLMC. The Bank is an
approved issuer of GNMA, FNMA, and FHLMC mortgage&#8209;backed securities.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In the ordinary course of
business, the Bank sells residential mortgage loans (originated or purchased)
to GNMA and government-sponsored entities which generally securitize the
transferred loans into mortgage-backed securities for sale into the secondary
market. The Bank purchased $11.4 million and $12.9 million in residential
mortgage loans for the years ended October 31, 2019 and 2018, respectively.&#160;
Generally, the loans purchased from mortgage bankers were conforming
residential mortgage loans.&#160; When the Bank sells such loans, it generally keeps
the servicing of the loans. Principal balance on loans sold during the years
ended October 31, 2019 and 2018 amounted to approximately $62.1&nbsp;million
and $47.3 million, respectively. In addition, during the years ended October
31, 2019 and 2018, the Bank securitized residential mortgage loans with
principal balances amounting to approximately $68.4&nbsp;million and $67.7
million, respectively. As of October 31, 2019, the Bank had $6.9 million on
loans securitized not yet settled, no unsettled balances were outstanding as of
October 31, 2018. The Bank recognized gains realized on sales of residential
mortgages and securitizations within the mortgage banking activities, net
caption of the consolidated statements of operations of approximately
$6.4&nbsp;million, $2.9 million and $8.6 million as of October 31, 2019, 2018
and 2017, respectively.&#160; The Bank&#8217;s continuing involvement in these sold loans
consists primarily of servicing the loans.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As part of the Bank&#8217;s mortgage
servicing activities, the Bank charges servicing fees, generally in the range
of 25 to 50 basis points on the declining outstanding principal balances of the
mortgage loans serviced. Servicing fees are collected on a monthly basis out of
payments from mortgagors. As of October 31, 2019 and 2018, the unpaid principal
balance of the servicing portfolio was approximately $5.7 billion, for both
periods, which includes approximately $1.4&nbsp;billion and $1.5&nbsp;billion,
respectively, in loans either held for investment or held for sale in the
consolidated balance sheets. As of October 31, 2019 and 2018, a portion of the
servicing portfolio amounting to $792.7 million and $579.1 million,
respectively, is subserviced by the Bank for which it charges certain fees per
loan and retains ancillary fees collected as additional compensation as
stipulated in the respective contracts. At October 31, 2019 and 2018, escrow
funds and custodial accounts related to the Bank&#8217;s servicing function included
approximately $50.7&nbsp;million and $63.6&nbsp;million, respectively,
deposited in the Bank. The Bank has fidelity bond and errors and omissions
coverage of $10.0&nbsp;million and $7.0&nbsp;million, respectively, as of October&nbsp;31,
2019.</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_50"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table summarizes the Bank&#8217;s activity related to servicing
assets carried at fair value for the years ended October 31, 2019 and 2018:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=42% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=66% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Balance at beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  45,138,493 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  43,239,287 </font></p>
  </td>
 </tr>
<tr style="height:4.9pt;">
  <td nowrap valign=bottom width=4% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=42% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:4.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=66% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Purchased servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,500,040 </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=66% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Servicing assets obtained from transfer of financial assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,694,095 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,537,060 </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=66% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Balance before change in fair value, end of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  46,832,588 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  46,276,387 </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=66% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Change in fair value</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (6,306,082)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (1,137,894)</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap valign=bottom width=66% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Balance at end of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  40,526,506 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  45,138,493 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">During fiscal year 2018, the
Bank completed the acquisition of servicing assets of a GNMA portfolio with an
approximate unpaid principal balance of $151.1 million. The aggregate purchase
price for the servicing assets acquired at inception was its fair value of
approximately $1.5 million. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The components of
the net mortgage banking activities caption in the consolidated statement of
operations for the years ended October 31, 2019, 2018 and 2017 are presented
below:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing fees</font></p>
  </td>
 <td nowrap valign=bottom width=29% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  15,105,282 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  14,342,672 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  13,495,405 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Late charges and prepayment penalties</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  1,080,042 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  659,671 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  856,846 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Gain on sale of loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  6,398,092 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  2,888,426 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  8,607,653 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loss on repurchased loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (2,924,919)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (5,027,154)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (930,738)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=3 nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (256,116)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (51,769)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (15,305)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=33% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing income, gross</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  19,402,381 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  12,811,846 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  22,013,861 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Changes in fair value of servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (6,306,082)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (1,137,894)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (2,826,414)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=33% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total net mortgage banking activities income</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  13,096,299 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  11,673,952 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  19,187,447 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October&nbsp;31, 2019, the
main economic assumptions used by the Bank to estimate the fair value of the
servicing assets and the sensitivity to immediate changes in those assumptions
were as follows (in thousands):</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=78% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Carrying amount of servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">40,527&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=78% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Constant prepayment rate (weighted average annual rate)</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6.41% </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=78% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Decrease in fair value due to 10% adverse change</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">869&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=78% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Decrease in fair value due to 20% adverse change</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,707&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=78% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash flow discount rate (weighted average annual rate)</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">11.69% </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=78% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Decrease in fair value due to 10% adverse change</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,627&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=78% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Decrease in fair value due to 20% adverse change</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,143&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>




<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_51"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">These
sensitivities are hypothetical and should be used with caution. As the figures
indicate, changes in fair value based on a 10% variation in assumptions
generally cannot be extrapolated because the relationship of the change in
assumption to the change in fair value may not be linear. Also, in this table,
the effect of a variation in a particular assumption on the fair value of the
servicing assets is calculated without changing any other assumption; in
reality, changes in one factor may result in changes in another (e.g.,
increases in market interest rates may result in lower prepayments), which may
magnify or counteract the sensitivities.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Also, the Bank outsourced the
servicing of certain residential mortgage loans, which as of October 31, 2019
and 2018 had an outstanding principal balance amounting to approximately
$11.0&nbsp;million and $13.2 million, respectively.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(13)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Related&#8209;Party Transactions</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank grants
loans to its directors, executive officers, and certain individuals or
organizations related to such persons. The activity of these loans as of
October&nbsp;31 was as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Executive</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">officers</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Directors</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2017</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  429,045 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,443 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  432,488 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">New loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  41,985 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  24,844 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  66,829 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=4 nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Payments</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (58,350)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (26,589)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (84,939)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2018</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  412,680 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,698 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  414,378 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">New loans</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  63,509 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  14,011 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  77,520 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=4 nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Payments</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (54,387)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (15,319)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (69,706)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=46% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at October 31, 2019</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  421,802 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  390 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  422,192 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">These loans have been
originated in the normal course of business on substantially the same terms and
conditions, including interest rates and collateral, as those prevailing at the
same time for comparable transactions with other customers and do not involve
more than the normal credit risk. BNS and other affiliates maintain a
correspondent banking relationship with the Bank and may, in the normal course
of business, place, and receive deposits, and other business with it, including
term deposits and short&#8209;term borrowings at prevailing market rates. At
October 31, 2019 and 2018, the Bank had $800&nbsp;million, available under
these financing facilities, whereby $300,000 and $20.8 million were
outstanding, respectively. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank provides servicing to
a residential mortgage portfolio from an affiliate. The balance of the
portfolio amounted to approximately $182.8 million and $199.1 million as of
October 31, 2019 and 2018, respectively. The affiliate remitted servicing fees
of approximately $514,000, $603,000 and $138,000 for the years ended October
31, 2019, 2018 and 2017, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Also, during 2019 and 2018 the
Bank purchased fixed assets amounting to approximately $432,000 and $692,000,
respectively, through an affiliate.</font></p>




<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_52"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table sets forth transactions at and for the years ended
October&nbsp;31 with BNS and affiliates:</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font color=red face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance Sheet:</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash and due from banks</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">27,206,401&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">18,972,011&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Time deposits</font></p>
  </td>
 <td nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">300,000&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">20,772,652&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=6 nowrap valign=bottom width=24% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other Assets</font></p>
  </td>
 <td nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">101,189&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noninterest-bearing demand deposits</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">20,843,109&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">20,834,165&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued interest payable</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">41,788&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">132,333&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,913,748&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives liabilities</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,706&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,470&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.75pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:43.9pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:43.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Statements of Operations:</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:43.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:43.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:43.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:43.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:43.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:43.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest income&#8211; derivatives</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">549,336&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6,095&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">9,708&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noninterest income</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,760,309&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,374,571&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4,601,650&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest expense&#8211;derivatives and deposits</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">216,025&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">489,707&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,643,823&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Data processing, financial guarantees, and other technical</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">services</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">17,364,088&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">17,037,517&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">18,657,359&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font color=red face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The outstanding balance of the
loans participated by the Bank with BNS amounted to $10.2&nbsp;million and
$10.8 million as of October 31, 2019 and 2018, respectively.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(14)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Capital Stock, Preferred Shares, and Dividend
Restrictions</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank&#8217;s capital
stock at October 31, 2019 and 2018 was composed of the following:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=2 nowrap valign=bottom width=78% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cumulative first preferred shares, $10 par value. Authorized,
  500,000 shares;</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=75% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">none issued or outstanding</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:16.15pt;">
  <td colspan=2 nowrap valign=bottom width=78% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noncumulative second preferred shares, $10 par value.
  Authorized,</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:16.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=75% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">500,000 shares; issued and outstanding, 332,337 shares</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,323,370&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:16.9pt;">
  <td colspan=2 nowrap valign=bottom width=78% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Common stock, $10 par value. Authorized, 40,000,000 shares;
  issued and</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=75% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">outstanding, 22,400,000 shares</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">224,000,000&#160;&#160; </font></p>
  </td>
 </tr>
<tr style="height:.25in;">
  <td colspan=2 nowrap valign=bottom width=78% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Additional paid-in capital</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">319,625,168&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The holders of cumulative
first&nbsp;preferred shares are entitled to receive, prior to payment of
dividends on second&nbsp;preferred and common shares, dividends at the annual
rate of $0.70 per share, payable in semiannual installments of $0.35 per share.
No dividends may be declared on the second&nbsp;preferred and common shares
until all cumulative dividends on first&nbsp;preferred shares have been paid in
full. The first&nbsp;preferred shares are redeemable, at the option of the
board of directors, at any time at a redemption price equal to the par value
($10.00 per share) plus accrued dividends to the date of redemption.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The holders of noncumulative
second&nbsp;preferred shares are entitled to receive, prior to declaration and
payment of dividends on common shares, dividends at the annual rate of $6.00
per share, payable in semiannual installments of $3.00 per share. The
second&nbsp;preferred shares are redeemable, at the option of the board of
directors, at any time at a redemption price equal to the par value per share
($10.00) plus declared and unpaid dividends.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In the event of any voluntary
or involuntary liquidation, and before any distribution can be made to the
holders of second&nbsp;preferred and common shares, holders of
first&nbsp;preferred shares are entitled to receive from the Bank&#8217;s assets
available for distribution to shareholders an amount equal to the par value per
share ($10.00) plus accrued dividends to the date of liquidation. Before any
distribution can be made to the holders of common stocks, holders of
second&nbsp;preferred shares are entitled to receive from the Bank&#8217;s assets
available for distribution to stockholders an amount equal to the par value per
share ($10.00).</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">On May 30, 2019, the Board of Directors
declared a cash dividend of approximately $200,000 on preferred shares and a
cash dividend of approximately $299.8 million on common stock payable to BNS
PR, Bank&#8217;s sole shareholder.&#160; All dividends were paid during the month of June
2019.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">On June 21 2019, the Board of Directors approved for
the distribution of capital and redemption of preferred shares amounting to
$196.7 million and $3.3 million, respectively, to be distributed to BNS PR, the
Bank&#8217;s sole shareholder. These distributions have been approved by regulators
subject to compliance with all applicable capital requirements under Federal
and Puerto Rico laws and regulations and shall not be paid until regulatory
approvals of the Agreement mentioned in note 1 are received. </font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(15)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Accumulated Other Comprehensive Income (Loss)</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Accumulated other
comprehensive income (loss), net of taxes as of October 31, 2019 and 2018
consisted of (in thousands):</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=40% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=64% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Realized and unrealized gains (losses) on investment securities</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=60% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">available for sale</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,673 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (16,754)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=64% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Income tax effect</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (335)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,351 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=44% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net realized and unrealized gain (loss) on investment </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=40% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">securities available for sale</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,338 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (13,403)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=64% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Realized and unrealized gains on cash flow hedges</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  215 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;&#160;2,155 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=64% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Income tax effect</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (598)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,355)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=44% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net (losses) gains on cash flow hedges</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (383)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  800 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=64% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued postretirement benefit obligation</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,903 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,807 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=64% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Income tax effect</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (3,332)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (3,685)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=44% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net accrued postretirement benefit obligation</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (429)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  122 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=44% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accumulated other comprehensive income (loss), net of</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td nowrap valign=bottom width=4% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=40% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">taxes</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double windowtext 2.25pt;height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  526 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double windowtext 2.25pt;height:14.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (12,481)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>




<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
following table presents changes in accumulated other comprehensive income
(loss) by component, net of taxes for the years ended October 31, 2019 and 2018
(in thousands):</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;"><a name="RANGE!A1:O50"></a></td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=57% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">gain
  on</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net
  </font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">accrued
  post</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Accumulated</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">securities</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">loss
  on</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">retirement</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">other</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">available</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">cash
  flow</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">benefit</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">comprehensive</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">for
  sale</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">hedges</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">obligation</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">income</font></b></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Beginning balance</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;
  (13,403)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  800 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  122 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (12,481)</font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td colspan=8 nowrap valign=bottom width=43% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Other comprehensive income (loss)</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">before reclassifications</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;
  17,481 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;
  (1,296)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (551)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  15,634 </font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Amounts reclassified out of</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">accumulated other</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">comprehensive income (loss)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (2,740)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  113 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(2,627)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=8 nowrap valign=bottom width=43% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Other comprehensive income (loss)</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;
  14,741 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;
  (1,183)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (551)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  13,007 </font></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Ending balance</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;
  1,338 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (383)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (429)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  526 </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=57% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">loss
  on</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net
  </font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">accrued
  post</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Accumulated</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">securities</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">income
  on</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">retirement</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">other</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">available</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">cash
  flow</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">benefit</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">comprehensive</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">for
  sale</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">hedges</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">obligation</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">loss</font></b></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Beginning balance</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (5,555)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  286 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (648)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,917)</font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td colspan=8 nowrap valign=bottom width=43% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Other comprehensive (loss) income</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">before reclassifications</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (7,848)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  401 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  770 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,677)</font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Amounts reclassified out of</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">accumulated other</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">comprehensive loss</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  113 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  113 </font></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=8 nowrap valign=bottom width=43% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Other comprehensive (loss) income</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (7,848)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  514 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  770 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,564)</font></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Ending balance</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;
  (13,403)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  800 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  122 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (12,481)</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=57% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">loss
  on</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net
  </font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Net</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">unrealized</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">accrued
  post</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Accumulated</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">securities</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">loss
  on</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">retirement</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">other</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">available</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">cash
  flow</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">benefit</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">comprehensive</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">for
  sale</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">hedges</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">obligation</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">loss</font></b></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Beginning balance</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (1,039)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;
  (1,192)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (3,239)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,470)</font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td colspan=8 nowrap valign=bottom width=43% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Other comprehensive (loss) income</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">before reclassifications</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (4,516)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;
  1,395 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,591 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (530)</font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Amounts reclassified out of</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">accumulated other</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=35% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">comprehensive loss</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  83 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  83 </font></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=8 nowrap valign=bottom width=43% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Other comprehensive (loss) income</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (4,516)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;
  1,478 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  2,591 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (447)</font></p>
  </td>
 </tr>
<tr style="height:15.2pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Ending balance</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;
  (5,555)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  &#160;286 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (648)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:15.2pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (5,917)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table presents reclassifications out of accumulated other
comprehensive income (loss), net of taxes for the years ended October 31, 2019,
2018 and 2017 (in thousands):</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:5.45pt;">
  <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:5.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:52.15pt;">
  <td nowrap valign=bottom width=3% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 valign=bottom width=33% style="border:none;border-top:solid windowtext 1.0pt;height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amount
  reclassified out of accumulated other comprehensive income (loss), net</font></b></p>
  </td>
 <td valign=bottom width=3% style="height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td valign=bottom width=22% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:52.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Affected
  line item in the consolidated statements of operations</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Sale of investment securities available</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Noninterest income &#8211; Gain on sale of</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">for sale</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,740&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">investment securities available for sale</font></p>
  </td>
 </tr>
<tr style="height:21.4pt;">
  <td colspan=7 nowrap valign=bottom width=39% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization of upfront fee on a cash flow hedge</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">113&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">113&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">83&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:21.4pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest Expense &#8211; Deposits</font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,853&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">113&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">83&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.5pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(16)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income Tax</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank is subject to Puerto
Rico income taxes pursuant to the 2011 Code, as amended. The maximum statutory
tax rate applicable in 2019, 2018 and 2017 is 39%. In addition, the Alternative
Minimum Tax (AMT) system levies for these years a tax rate of 30% on the AMT
taxable income, as defined, for purposes of the AMT calculation.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">On December 10, 2018 the Governor of Puerto Rico
signed Act No. 257-2018 (the Act) which amended the PR Internal Revenue Code of
2011 and modified the tax regimes for both corporations and individuals. As
part of the changes introduced by the Act, the income tax rates for regular
taxes were reduced from 39% to 37.5%, and for the AMT regime from 30% to 23%.
For the Bank, the income tax rate reductions will apply for fiscal year 2020;
accordingly, for the period ended October 31, 2019, Management re-measured its
deferred taxes at 37.5%, resulting in an additional tax provision expense of
$5.2 million.&#160; </font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Other dispositions in the Act that affect the
determination of net income (exclusions, exemptions, deductions, and others),
and increase to 90% the use of Net Operating Losses (NOLs).&#160; These dispositions
will also be applicable to the Bank for fiscal year 2020, except for the NOL
limitation since as of the closing of this period the Bank does not carry NOL.&#160;
Finally, the Act amended dispositions related to income tax withholdings,
informative returns, and sales and use tax which were effective for calendar
year 2019.&#160; </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Components of
income tax expense (benefit) for the years ended at October&nbsp;31 consisted
of the following:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:14.25pt;">
  <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=25% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:.25in;">
  <td colspan=3 nowrap valign=bottom width=12% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Current</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=25% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,596,962 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,101,918 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 60,837 </font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td colspan=3 nowrap valign=bottom width=12% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=25% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  33,820,844 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  5,032,619 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:14.25pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (18,789,713)</font></p>
  </td>
 </tr>
<tr style="height:.25in;">
  <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=29% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Income tax expense (benefit)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  44,417,806 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  6,134,537 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:.25in;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:.25in;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (18,728,876)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At
October&nbsp;31, the income tax expense (benefit) differed from the &#8220;expected&#8221;
provision as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=9 nowrap valign=bottom width=69% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8220;Expected&#8221; income tax expense (benefit) computed at statutory
  tax</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=49% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">rate (39% in 2019, 2018 and 2017)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  52,050,782 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  30,720,938 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (24,482,460)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Increase (decrease) in income taxes resulting from:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=49% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Preferential tax rate per closing</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=45% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">agreement</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  21,028,213 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (24,448,479)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (9,270,519)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=49% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Change in tax rate</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  5,151,193 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=49% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Non deductible Goodwill</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  7,905,493 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=49% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Change in valuation allowance</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (29,446,374)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  145,595 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  6,737,186 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=49% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Exempt income</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (4,838,203)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (775,339)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (45,179)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=29% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  472,195 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  491,822 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  426,603 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=33% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Income tax expense (benefit)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  44,417,806 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  6,134,537 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (18,728,876)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Deferred income taxes reflect
the net tax effects of temporary differences between the carrying amounts of
assets and liabilities for financial reporting purposes and their tax bases.
Components of the deferred tax assets and liabilities at October&nbsp;31 are
presented in the following table:</font></p>

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</DIV>
<div align=center>
<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred tax asset:</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">ALLL- accounted for under ASC 310-30</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  86,309,652 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  103,013,293 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">ALLL- accounted for under ASC 310-20</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  20,816,361 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  37,431,134 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance for OREO &#8211; covered</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  2,114,664 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  2,861,615 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Allowance for OREO &#8211; noncovered</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  127,052 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  544,952 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred charge-offs</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  28,503,552 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  70,483,234 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Goodwill</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  31,370,796 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  38,635,391 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued postretirement and postemployment benefits</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  4,344,968 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  4,353,103 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Net operating loss carryforward</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  113,060 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Tax credits carryforward</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  12,740,096 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  3,066,722 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred loan origination fees, net</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  11,183,756 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  10,807,414 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives</font></p>
  </td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  32,145 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Intangibles</font></p>
  </td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  97,387 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;377,798 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unrealized net losses on investment securities available for</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">sale</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  3,524,109 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Clawback provision</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  6,630,881 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Other</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  2,758,253 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  3,289,921 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  200,398,682 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  285,132,627 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Valuation allowance</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (12,740,096)</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (42,186,470)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred tax asset, net</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  187,658,586 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  242,946,157 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred tax liability:</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Acquired loans tax basis difference</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  137,244,225 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  152,908,369 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  12,143,606 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  14,428,025 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Pension benefits</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  5,193,827 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  5,563,273 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives</font></p>
  </td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  733,673 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unrealized net losses on investment securities available for</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=8% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">sale</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  161,277 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred tax liability</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  154,742,935 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  173,633,340 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deferred tax asset, net</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  32,915,651 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  69,312,817 </font></p>
  </td>
 </tr>
</table>


</div>


<p align=center style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank has entered into
certain Closing Agreements with the Puerto Rico Treasury Department (PRTD) to
address the tax treatment of certain loans acquired, and other related
dispositions.&#160; Accordingly, pursuant to these Closing Agreements, the Bank was entitled
to defer the charge-offs deduction for its acquired and not acquired loans
portfolios. At October 31, 2019 and October 31, 2018, the Bank deferred a total
charge-off deduction amounting to $4.9 million and $73.8 million, respectively,
related to the acquired loans charge-offs. Total charge-offs deferred under the
provisions of the Closing Agreements to date amounted to $356.1 million.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In assessing the realizability
of the deferred tax asset, management considers the requirements in
ASC&nbsp;Section&nbsp;740&#8209;10&#8209;30, Income </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Taxes&#8209;Initial &#8211;
Measurement</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, which states that a deferred tax asset should be reduced by a
valuation allowance if based on the weight of all available evidence, it is
more likely than not that some portion or all of the deferred tax asset will
not be realized. Management evaluated the Bank&#8217;s deferred tax assets for
recoverability using a consistent approach, which considers the relative impact
of negative and positive evidence. This process involves significant management
judgment about assumptions that are subject to change from period to period
based on changes in tax laws or other significant circumstances that may impact
its operations.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Based on the latest analysis
performed, which considered the scheduled reversal of deferred tax assets,
taxable income and tax planning strategies, Management believes it is more
likely than not that the Bank will realize the deferred tax assets, net of the
valuation allowance recorded at October 31, 2019 and October 31, 2018 amounting
to approximately $12.7 million and $42.2 million, respectively.&#160; The amount of
deferred tax assets considered realizable could be reduced if there are changes
in estimates in the near term.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank files its income tax
return in Puerto Rico. According to local tax authority and statutes of
limitation dispositions, fiscal years 2015, 2016, 2017 and 2018 remain open for
examination.</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_57"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(17)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Pension and Other Postretirement
Benefit Plans</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Certain eligible employees of
the Bank participate in the Scotiabank Pension Plan (United States)
(the&nbsp;U.S.&nbsp;Pension Plan), a plan covering certain employees of BNS in
the United States and Puerto Rico. The methodology used to account for this
plan is the one used for multi&#8209;employer plans. The amount of expense
recognized by the Bank, which was allocated from BNS, amounted to approximately
$483,000, $1.0&nbsp;million and $1.1 million for the years ended October 31,
2019, 2018 and 2017, respectively. During 2017, the U.S. Pension Plan provided
lump sum payments for eligible terminated vested plan participants, as such,
the Bank recognized an additional expense of approximately $408,000 presented
as part of the compensation and employee benefits line in the consolidated
statements of operations. Contributions made to the plan as of October 31, 2018
and 2017 amounted to approximately $6.5 million and $10.3 million,
respectively. There were no contributions made to the plan as of October 31,
2019. The actuarial present value and non-vested accumulated plan benefits,
pension fund net assets, and other data relating to the Bank&#8217;s portion of the
plan are not available.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank also has a defined
contribution plan, the Retirement Plan for Employees of Scotiabank de Puerto
Rico (formerly known as The Scotiabank de Puerto Rico Savings and Investment
Plan) (the&nbsp;Savings Plan), as amended in 2011. The Savings Plan was
organized in October&nbsp;1998 as a defined contribution plan covering all full&#8209;time
employees of Scotiabank de Puerto Rico and The Bank of Nova Scotia&#8209;Puerto
Rico Branch (collectively referred to as the Sponsor) who have completed
six&nbsp;months of service and are age 18&nbsp;years or older. The plan is in
compliance with the 2011 Code.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Each year, participants may
contribute an amount equal to from 1% to 75%, in whole percentages, of annual
compensation, as defined in Plan, or up to the maximum allowable pretax
contributions permitted by the 2011 Code. As part of Plan, the Sponsor performs
non-elective Sponsor contributions of 2% of participant&#8217;s base salary (up to
$100,000) to each participant account with no requirement from the participant
to make contributions to the Plan. Also, participant contributions are matched
100% by the Sponsor for the first&nbsp;3% of the participant contributions and
50% of the next 3% of the participant contributions. The amount of contribution
expense recognized by the Bank for the years ended October 31, 2019, 2018 and
2017 amounted to approximately $2.0&nbsp;million, $2.1 million and $2.1
million, respectively. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank also has an Employee
Share Ownership Plan (ESOP) under which the employees can contribute up to 6%
of their eligible compensation and the Bank will match 50% of the employee
contributions up to $1,200 each year. The contribution expense recognized by
the Bank during the years ended October 31, 2019, 2018 and 2017 amounted to
approximately $424,000, $364,000 and $271,000, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank also provides
postretirement medical and life insurance benefits to employees that had
retired as of December&nbsp;31, 2007 who continue to be 100% vested in their
accrued benefit. Benefits for active employees not retired as of
December&nbsp;31, 2007 were eliminated under the postretirement benefit plan.
The plan is unfunded and noncontributory, but contains certain cost&#8209;sharing
features, such as deductibles and coinsurance. The accounting for the plan
anticipates future cost&#8209;sharing changes to the postretirement medical
plan portion of the plan that are consistent with the Bank&#8217;s expressed intent
to increase the retiree contribution rate annually by the expected general
inflation rate for that year. The Bank&#8217;s policy is to pay the cost of medical
and life insurance benefits as they are claimed by the retirees. The Bank
recognizes the cost of estimated postretirement benefits during the periods
employees render service, with all such costs being recognized by the full
eligibility date.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank uses a
November&nbsp;1 measurement date for its plans.</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_58"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table sets forth the change in accrued postretirement
benefit obligation (APBO) and unfunded status at October&nbsp;31:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=55% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Benefit obligation, beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  10,012,803 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  11,905,071 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest cost</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  437,766 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  441,304 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Benefits paid</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (559,846)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (582,409)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=55% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Actuarial/experience gain </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  312,858 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (1,751,163)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=55% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Benefit obligation, end of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  10,203,581 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  10,012,803 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=55% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unamortized transitional obligation</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  5,142,583 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  5,792,784 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=55% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Unamortized actuarial loss</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (2,239,867)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (1,985,599)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=35% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued postretirement obligation</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  13,106,297 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;
  13,819,988 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:29.45pt;">
  <td colspan=7 nowrap valign=bottom width=55% style="height:29.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Annual postretirement (benefit) expense:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:29.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:29.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:29.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:29.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:29.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:29.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2017</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest cost</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  437,766 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  441,304 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  612,566 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=51% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization of prior service credit</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (650,201)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (650,201)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;
  (650,201)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=51% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amortization of actuarial/experience losses</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  58,590 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  161,053 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  370,054 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=35% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Postretirement (benefit) expense</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  (153,845)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (47,844)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;
  332,419 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Amounts recognized
in the consolidated balance sheets in other liabilities and accumulated other
comprehensive loss are as follows:</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Benefit obligation</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,203,581&nbsp;
  &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10,012,803&nbsp;
  &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accumulated other comprehensive income </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,902,716&nbsp;
  &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,807,185&nbsp;
  &nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The key assumptions used by
the Bank for the measurement of the projected benefit obligation and benefit
expense are summarized as follows:</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">To determine projected benefit obligation at end of year:</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Discount rate</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3.10% </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.50% </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Rate of increase in future compensation</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">N/A</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">N/A</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">To determine expense for end of year:</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Discount rate</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.50% </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3.80% </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Rate of increase in future compensation</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">N/A</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">N/A</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Healthcare cost trend rates used to determine projected</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">benefit obligation at end of year:</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Initial rate</font></p>
  </td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6.40% </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6.90% </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ultimate rate</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.50&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.50&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Year ultimate rate reached</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2038</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2038</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Healthcare cost trend rates used to determine expense for</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=20% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">end of year:</font></p>
  </td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Initial rate</font></p>
  </td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6.90% </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">7.10% </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ultimate rate</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.50&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.50&#160; </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=53% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Year ultimate rate reached</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2038</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;text-indent:20.0pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2038</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">N/A &#8211; Indicates that
information is not required since plan was amended to eliminate postretirement
benefits to current employees.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The healthcare
cost (medical/dental/vision) trend rate assumption has a major impact on the
amounts reported. A one&#8209;percentage&#8209;point change in the assumed
healthcare cost trend rates would have the following impact on the
November&nbsp;1, 2011 APBO and fiscal 2019 service and interest cost:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">One-</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">One-</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">percentage</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">percentage</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">increase</font></b></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">decrease</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Change in APBO</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  1,170,840 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  (1,007,718)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td colspan=7 nowrap valign=bottom width=61% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Change in service and interest cost</font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  48,645 </font></p>
  </td>
 <td nowrap valign=bottom width=5% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (41,949)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Estimated Future Benefit
Payments</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following
benefit payments, which reflect expected future service, as appropriate, are
expected to be paid over the next 10 fiscal years following the valuation date:</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=2 nowrap valign=bottom width=17% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Year:</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">634,779&nbsp; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2020</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">656,550&nbsp; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2021</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">676,279&nbsp; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2022</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">694,911&nbsp; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2023</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">711,051&nbsp; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2024&#8211;2028</font></p>
  </td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=7% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=19% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,688,443&nbsp;
  &nbsp;</font></p>
  </td>
 </tr>
</table>


</div>


<p align=center style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(18)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commitments&nbsp;</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank is obligated under a
number of non-cancelable operating leases for facilities used for its
operations. Substantially, all leases include renewal provisions and escalation
clauses, which provide for increased rentals based </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_60"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">upon
increases in taxes and other costs. Rental expense for the years ended October
31, 2019, 2018 and 2017 was approximately $6.1&nbsp;million, $6.0&nbsp;million
and $7.3 million, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The estimated
minimum annual rentals under the terms of these operating leases are summarized
as follows:</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=5 nowrap valign=bottom width=30% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fiscal year:</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2020</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5,971,716&nbsp;
  &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2021</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,387,372&nbsp;
  &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2022</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,880,332&nbsp;
  &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2023</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,035,226&nbsp;
  &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=18% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2024</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">765,411&nbsp; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=24% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Thereafter</font></p>
  </td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=22% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">324,500&nbsp; &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=6% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=36% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=6% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">15,364,557&nbsp;
  &nbsp;</font></p>
  </td>
 </tr>
<tr height=0>
  <td width=6% style="border:none;">&nbsp;</td>
 <td width=6% style="border:none;">&nbsp;</td>
 <td width=6% style="border:none;">&nbsp;</td>
 <td width=6% style="border:none;">&nbsp;</td>
 <td width=6% style="border:none;">&nbsp;</td>
 <td width=6% style="border:none;">&nbsp;</td>
 <td width=36% style="border:none;">&nbsp;</td>
 <td width=6% style="border:none;">&nbsp;</td>
 <td width=22% style="border:none;">&nbsp;</td>
 </tr>
</table>


</div>


<p align=center style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(19)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Contingent Liabilities</font></b></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;">The U.S. Congress enacted the
Puerto Rico Oversight Management and Economic Stability Act (PROMESA) on June
30, 2016 in response to the Commonwealth&#8217;s ongoing fiscal and economic crisis.
PROMESA established a Fiscal Oversight and Management Board for Puerto Rico
(the &#8220;Oversight Board&#8221;) and a framework for the restructuring of the debts of
the Commonwealth, its instrumentalities and municipalities. The Commonwealth
and several of its instrumentalities have commenced debt restructuring
proceedings under PROMESA. As of the date of this report, while municipalities
have been recently designated as covered entities under PROMESA, no municipality
has commenced, or has been authorized by the Oversight Board to commence, any
such debt restructuring proceeding under PROMESA.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;">Further deterioration of the fiscal
crisis of the Government of Puerto Rico could affect the credit quality of our
entire portfolio, particularly the government related loans and securities,
therefore, impacting the financial results of the Bank.&nbsp; </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank is
defendant and/or codefendant in various lawsuits. Management, based on advice
from legal counsel, is of the opinion that the ultimate liability, if any,
resulting from such lawsuits, would not be material in relation to the Bank&#8217;s
consolidated financial position, results of operations, or cash flows.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank seeks to resolve all
litigation and regulatory matters in the manner management believes is in the
best interests of the Bank, and contests liability, allegations of wrongdoing
and, where applicable, the amount of damages or scope of any penalties or other
relief sought as appropriate in each pending matter.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(20)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial Instruments with Off&#8209;Balance&#8209;Sheet
Risk</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank is a party to
financial instruments with off&#8209;balance&#8209;sheet risk in the normal
course of business to meet the financing needs of its customers. These
financial instruments include commitments to extend credit and commitments
under letters of credit outstanding and interest rate swaps. Those instruments
involve, to varying degrees, elements of credit in excess of the amount
recognized in the consolidated balance sheets. The contract or notional amounts
of these instruments reflect the extent of involvement the Bank has in
particular classes of financial instruments.</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank&#8217;s exposure to credit losses in the event of nonperformance by
the other party to the commitments to extend credit and outstanding letters of
credit is represented by the contractual amount of these instruments. The Bank
uses the same credit policies in making commitments and issuing letters of
credit as it does for on&#8209;balance&#8209;sheet instruments. Significant
commitments at October 31, 2019 and 2018 amounted to approximately $126.5
million and $128.0 million, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commitments to extend credit
are agreements to lend to a customer as long as there is no violation of any
condition established in the contract. Such commitments generally have fixed
expiration dates or other termination clauses. Generally, the Bank does not
enter into interest rate lock agreements with borrowers. Since many of the
commitments are expected to expire without being drawn upon, the total
commitment amounts do not necessarily represent future cash requirements. The
Bank evaluates each customer&#8217;s creditworthiness on a case&#8209;by&#8209;case
basis. The amount of collateral obtained, if deemed necessary by the Bank, upon
extension of credit is based on management&#8217;s credit evaluation. Collateral held
varies but usually includes real estate mortgages, chattel mortgages, accounts
receivable, inventory, equipment, and other income producing commercial
properties. The Bank has established a separate liability account to record an
allowance to cover estimated credit losses on off&#8209;balance&#8209;sheet
items. The balance of this allowance as of October 31, 2019 and 2018 amounted
to $58,000 and $161,000, respectively, and is included as part of other
liabilities in the accompanying consolidated balance sheets.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31, 2019 and 2018,
commitments to extend credit consisted mainly of undisbursed available amounts
on commercial lines of credit, construction loans, and revolving credit card
arrangements. Since many of the unused commitments are expected to expire
unused or be only partially used, the total amount of these unused commitments
does not necessarily represent future cash requirements. Such commitments are
recorded in the consolidated financial statements when they are funded or
related fees are incurred or received. The Bank periodically evaluates the
credit risks inherent in these commitments, and establishes accruals for such
risk if and when these are deemed necessary.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31,
2019 and 2018 the notional amount of Commercial and standby letters of credit
and financial guarantees amounted to approximately $15.3 million and $12.4
million, respectively, which are considered financial guarantees in accordance
with ASC Subtopic 460&#8209;10, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Guarantees.&nbsp;</font></i></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commercial letters of credit
are issued or confirmed to ensure payment of customers&#8217; payables or receivables
in short&#8209;term international trade transactions. Generally, drafts will be
drawn when the underlying transaction is consummated as intended. However, the
short&#8209;term nature of this instrument serves to mitigate the risk
associated with these contracts.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Standby letters of credit and
financial guarantees are written conditional commitments issued by the Bank to
guarantee the performance of a customer to a third&nbsp;party. If the customer
fails to comply with the agreement, the counterparty may enforce the standby
letter of credit or foreign office guarantee as a remedy. The amount of credit
risk involved in issuing letters of credit in the event of nonperformance by
the other party is the contract amount. The amount of collateral obtained, if
it is deemed necessary by the Bank upon extension of credit, is based on
management&#8217;s credit evaluation of the counterparty. The Bank has not been
required to perform on any financial guarantee during the years ended October
31, 2019 and 2018, and no significant losses were expected by management of the
Bank under this recourse obligation.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(21)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Derivative Instruments and Hedging Activities</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank has interest rate
related derivative instruments to manage its exposure on certain loans,
deposits, and borrowings. The Bank&#8217;s most frequently used freestanding
derivative products entered into for interest rate risk management purposes.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In addition, the Bank
occasionally enters into contracts that are not considered derivatives in their
entirety but include embedded derivatives. Such transactions include issued
structured debt instruments where the minimum return may be fixed by a floor
option.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On the date a
derivative contract is entered into, the Bank designates it as belonging to one
of the following categories:</font></p>

<p style="margin-bottom:6.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">fair value hedge</font></p>

<p style="margin-bottom:6.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">cash flow hedge</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:6.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">foreign currency hedge</font></p>

<p style="margin-bottom:10.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">trading and other derivatives
(which includes risk management transactions that does not qualify as hedge
under accounting standards, also known as economic hedge)</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Derivatives may expose the
Bank to market, liquidity, and credit risks in excess of the amounts recorded
on the consolidated balance sheets. Liquidity risk is the potential exposure
that arises when size of the derivative position may not be able to rapidly
adjust at a reasonable cost in periods of high volatility and financial stress.
Credit risk is the failure of the counterparty to perform under the terms of
the derivative contract. When the fair value of a derivative contract is
positive, the counterparty owes the Bank, which creates credit risk for the
Bank. When the fair value of a derivative contract is negative, the Bank owes
the counterparty, and therefore, it does not possess credit risk. The Bank
minimizes the credit risk in derivative instruments by entering into
transactions with affiliates.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Market risk, in the case of
the Bank, is the adverse effect on the value of a financial instrument that
results from a change in interest rates. The market risk associated with
interest rate is managed by establishing and monitoring parameters that limit
the types and degree of market risk that may be undertaken.</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_63"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">At October 31, 2019 and 2018, the information pertaining to outstanding
derivative instruments is as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=26% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Asset
  derivative</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Liability
  derivative</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=26% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">fair
  value</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">fair
  value</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=26% style="border:none;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October
  31,</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="border:none;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October
  31,</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives designated as hedging</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=37% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">instruments under ASC 815:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=33% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest rate swaps</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=33% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Forward settlement swaps</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">130,628 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,912,278 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=21% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">130,628 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,912,278 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives not designated as</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=40% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">hedging instruments under ASC 815:</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=33% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Written options-interest rate floor</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,706 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,470 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchased options-interest rate floor</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,706 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,470 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=21% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,706&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,470&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,706&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,470&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=26% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Asset
  derivative</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Liability
  derivative</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=26% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">notional
  amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">notional
  amount</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=26% style="border:none;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October
  31,</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=27% style="border:none;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October
  31,</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives designated as hedging</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=37% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">instruments under ASC 815:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=33% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Interest rate swaps</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=33% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Forward settlement swaps</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">90,000,000 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">90,000,000 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=21% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">90,000,000 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">90,000,000 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives not designated as</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=40% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">hedging instruments under ASC 815:</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=33% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Written options-interest rate floor</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">95,163,186 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">141,144,296 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchased options-interest rate floor</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">100,000,000 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">150,000,000 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 nowrap valign=bottom width=21% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">100,000,000&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">150,000,000&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">95,163,186&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double windowtext 2.25pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">141,144,296&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:4.5pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(a)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fair Value Hedges</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank maintains an
interest rate risk management strategy that uses derivative instruments to
minimize significant, unanticipated earnings fluctuations caused by the volatility
of interest rates.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank assesses interest
rate cash flow risk by continually identifying and monitoring changes in
interest rate exposures that may adversely impact expected future cash flows
and by evaluating hedging opportunities. The Bank maintains risk management
control systems to monitor interest rate cash flow risk attributable to both
the Bank&#8217;s outstanding or forecasted lending activities as well as the Bank&#8217;s
offsetting hedge positions. The risk management control systems involve the use
of analytical techniques, including cash flow sensitivity analysis, to estimate
the expected impact of changes in interest rates on the Bank&#8217;s future cash
flows.</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">To a
limited extent, the Bank invests in fixed rate lending activities using
variable rate funding. Such lending activities expose the Bank to variability
in fair value due to changes in interest rates. Management believes it is
prudent to limit the variability of fair values. To meet this objective,
management enters into interest rate swap agreements to manage fluctuations in
fair value resulting from interest rate risk. These swaps change the fixed rate
fair value exposure on the lending activities to variable cash flows. Under the
terms of the interest rate swaps, the Bank receives variable interest rate
payments and makes fixed interest rate payments, thereby creating the
equivalent of a variable rate lending activity.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Changes in fair value of
interest rate swaps designated as hedging instruments that effectively offset
the variability of fair values associated with fixed rate and loan&#8209;term
lending activities are reported within other assets or other liabilities, and
as decreases or increases in the hedged loans. During the years ended October
31, 2018 and 2017, there were net gains (losses) of approximately $16,000 and
$33,000, respectively, reported as part of interest income on loans on the
consolidated statements of operations, which represented the total
ineffectiveness of the fair value hedge. There were no interest rate swaps
outstanding as of October 31, 2019 and 2018. </font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(b)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Cash Flow Hedges</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank uses interest rate
swaps to economically convert a portion of its variable debt to fixed rate debt
to manage interest rate risk exposure. During 2014, the Bank entered into
interest rate swaps to hedge the exposure that arises from a portion of its
floating rate deposit portfolio. These swaps are hedging a forecasted
transaction and thus qualify for cash flow hedge accounting. Changes in the
fair value of the derivatives are recorded in other comprehensive income
(loss). For cash flow hedges, gains, and losses on derivative contracts are
reclassified from accumulated other comprehensive income (loss) to current
period earnings and are included in the line item in which the hedge item is
recorded and during the period in which the forecasted transaction impacts
earnings. Fair value of the forward settlement swaps as of October 31, 2019 and
2018 amounted to approximately $131,000 in a net asset position and $1.9
million in a net asset position, respectively. For the years ended October 31,
2019, 2018 and 2017, the Bank recognized a net gain (loss) of approximately
$26,000, $33,000 and $(68,000), respectively, reported as part of interest
expense in the consolidated statements of operations, which represented the
total ineffectiveness of the cash flow hedges.</font></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following
table presents a summary of these swaps and their terms:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:11.1pt;">
  <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Notional</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Settlement</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Fixed
  rate</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Trade
  date</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">date</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Maturity
  date</font></b></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">(In
  thousands)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:15.6pt;">
  <td colspan=7 nowrap valign=bottom width=33% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">Forward settlement swap</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">90,000 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">1.3300&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">04/11/13</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">04/12/13</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=10% style="height:15.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:9.0pt;">04/13/20</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:7.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(c)</font></i></b><b><i><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></i></b><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Economic Hedges</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:.75in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Economic hedges arise when
the Bank enters into derivative contract for its own risk management purposes,
but the contract entered into does not qualify for hedge accounting under GAAP.
The Bank entered into interest rate floor contracts as part of a structure debt
transaction. The interest rate floors are carried at fair value with gains and
losses recognized in the consolidated statements of operations as noninterest
income. Fair value of the interest rate floors as of October 31, 2019 and 2018
amounted to approximately $2,000 and $1,000, respectively, on the asset
position and $2,000 and $1,000, respectively, on the liability position.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(22)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Regulatory Matters</font></b></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Banking Regulation</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank is subject to the
regulations of certain Commonwealth of Puerto Rico and federal agencies and
undergoes periodic examinations by those regulatory authorities. The Bank is
required to maintain minimum amounts of capital to total risk&#8209;weighted
assets as defined by banking regulators. Failure to meet minimum capital
requirements can initiate certain mandatory and possible additional
discretionary actions by regulations that, if undertaken, could have a direct
material effect on the Bank&#8217;s consolidated financial statements. Under capital
adequacy guidelines and the regulatory framework for prompt corrective action,
the Bank must meet specific capital guidelines that involve </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">quantitative
measures of their assets, liabilities, and certain off&#8209;balance&#8209;sheet
items as calculated under regulatory accounting practices. The Bank&#8217;s capital
amounts and classification are also subject to qualitative judgments by the
regulators about components, risk weightings, and other factors.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Quantitative measures
established by regulation to ensure capital adequacy require the Bank to
maintain minimum amounts and ratios (set forth in the following table) of total
Tier 1 capital (as defined in the regulations) to risk&#8209;weighted assets
(as defined) and of Tier 1 capital (as defined) to average assets (as defined).
Management believes that as of October&nbsp;31, 2019, the Bank met all capital
adequacy requirements to which it is subject.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of
October&nbsp;31, 2019, the Bank was categorized as well capitalized under the
regulatory framework for prompt correction action. To be categorized as well
capitalized, an institution must maintain minimum total risk&#8209;based, and
Tier 1 leverage ratios, as set forth in the following table. There were no
conditions or events that management believes have changed the Bank&#8217;s category.
The Bank&#8217;s actual capital amounts and ratios as of September&nbsp;30, 2019 and
2018, which was the latest regulatory reporting date, are as follows (in
thousands):</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:14.45pt;">
  <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=65% style="border:none;border-bottom:solid windowtext 1.0pt;height:14.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">September
  30, 2019</font></b></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=20% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Minimum
  to be well-</font></b></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Minimum
  capital</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=20% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">capitalized
  under prompt</font></b></p>
  </td>
 </tr>
<tr style="height:10.9pt;">
  <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=20% style="border:none;border-bottom:solid windowtext 1.0pt;height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Actual</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border:none;border-bottom:solid windowtext 1.0pt;height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">requirements</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=20% style="border:none;border-bottom:solid windowtext 1.0pt;height:10.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">corrective
  action provisions</font></b></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ratio</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ratio</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ratio</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total capital to risk-weighted assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">748,996 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">41.20%</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">145,451 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8.00%</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">181,813&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10.00%</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Tier 1 to risk-weighted assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">725,222 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">39.89 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">109,088&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6.00 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">145,451&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8.00&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Common equity tier 1 capital to </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=29% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">risk-weighted assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">721,899 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">39.71 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">81,816&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.50 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">118,179&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6.50&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Tier 1 capital to average total assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">725,222 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">20.55 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">141,166&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.00 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">176,457&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5.00&#160; </font></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:10.15pt;">
  <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:16.9pt;">
  <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=11 nowrap valign=bottom width=65% style="border:none;border-bottom:solid windowtext 1.0pt;height:16.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">September
  30, 2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=20% style="height:12.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Minimum
  to be well-</font></b></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Minimum
  capital</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=20% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">capitalized
  under prompt</font></b></p>
  </td>
 </tr>
<tr style="height:10.15pt;">
  <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=20% style="border:none;border-bottom:solid windowtext 1.0pt;height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Actual</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=19% style="border:none;border-bottom:solid windowtext 1.0pt;height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">requirements</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=20% style="border:none;border-bottom:solid windowtext 1.0pt;height:10.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">corrective
  action provisions</font></b></p>
  </td>
 </tr>
<tr style="height:13.9pt;">
  <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ratio</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ratio</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Amount</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Ratio</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total capital to risk-weighted assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">929,916 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">51.58%</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">144,227 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="background:white;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8.00%</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">180,284&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">10.00%</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Tier 1 to risk-weighted assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">904,777 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">50.19 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">108,170&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6.00 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">144,227&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8.00&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Common equity tier 1 capital to </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=29% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">risk-weighted assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">901,454 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">50.00 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">81,128&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.50 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">117,184&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6.50&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=7 nowrap valign=bottom width=32% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Tier 1 capital to average total assets</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">904,777 </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">21.87 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">165,453&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=8% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">4.00 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">206,817&nbsp; </font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">5.00&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank&#8217;s ability to pay
dividends to its stockholder and other activities can be restricted if its
capital falls below levels established by the FDIC guidelines. In addition, any
bank whose capital falls below levels specified in the guidelines can be
required to implement a plan to increase capital.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:27.0pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">The Federal Banking regulators enforce certain capital
rules (the Capital Rules) which: (i)&nbsp;establishes a capital measure called
&#8220;Common Equity Tier 1&#8221; (CET1) and related regulatory capital ratio of CET1 to
risk&#8209;weighted assets; (ii)&nbsp;specify that Tier 1 capital consist of
CET1 and &#8220;Additional Tier 1 capital&#8221; instruments meeting certain revised
requirements; (iii)&nbsp;mandate that most deductions/adjustments to regulatory
capital measures be made to CET1 and not to the other components of capital;
and (iv)&nbsp;expand the scope of the deductions from and adjustments to
capital as compared to existing regulations.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Pursuant to the
Capital Rules, the minimum capital ratios are as follows:</font></p>

<p style="margin-bottom:6.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4.5% CET1 to risk weighted assets</font></p>

<p style="margin-bottom:6.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">6.0% Tier 1 capital (that is, CET1
plus Additional Tier 1 capital) to risk&#8209;weighted assets</font></p>

<p style="margin-bottom:6.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">8.0% Total capital (that is, Tier
1 capital plus Tier 2 capital) to risk&#8209;weighted assets</font></p>

<p style="margin-bottom:10.0pt;margin-left:54.7pt;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-27.35pt;"><font face=Symbol lang=EN-US style="font-size:10.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4% Tier 1 capital to average
consolidated assets as reported on consolidated financial statements (known as
leverage ratio)</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Capital Rules also include
a &#8220;capital conservation buffer,&#8221; composed entirely of CET1, on top of these
minimum risk&#8209;weighted asset ratios. The capital conservation buffer is
designed to absorb losses during periods of economic stress. Banking
institutions with a ratio of CET1 to risk&#8209;weighted assets above the
minimum but below the capital conservation buffer will face constraints on
dividends, equity repurchases, and compensation based on the amount of </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the shortfall. Thus, when fully phased&#8209;in on
January&nbsp;1, 2019, the Bank will be required to maintain such additional
capital conservation buffer of 2.5% of CET1, effectively resulting in minimum
ratios of (i)&nbsp;CET1 to risk&#8209;weighted assets of at least 7%,
(ii)&nbsp;Tier 1 capital to risk&#8209;weighted assets of at least 8.5%, and
(iii)&nbsp;Total capital to risk&#8209;weighted assets of at least 10.5%.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Capital Rules provide for
a number of deductions from and adjustments to CET1. These include, for
example, the requirement that mortgage servicing rights, deferred tax assets
arising from temporary differences that could not be realized through net
operating loss carrybacks and significant investments in nonconsolidated
financial entities be deducted from CET1 to the extent that any one such
category exceeds 10% of CET1 or all such items, in the aggregate, exceed 15% of
CET1.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Capital Rules also
establish the &#8220;prompt corrective action&#8221; (PCA) regulations adopted pursuant to
Section&nbsp;38 of the FDIC, by: (i)&nbsp;introducing a CET1 ratio requirement
at each PCA category (other than critically undercapitalized), with the
required CET1 ratio being 6.5% for well&#8209;capitalized status;
(ii)&nbsp;increasing the minimum Tier 1 capital ratio requirement for each
category, with the minimum Tier 1 capital ratio for well&#8209;capitalized
status being 8% (as compared to 6%); and (iii)&nbsp;eliminating the current
provision that provides that a bank with a composite rating of 1 may have a 3%
leverage ratio and still be adequately capitalized. The New Capital Rules do
not change the total risk&#8209;based capital requirement for any PCA category.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Capital Rules prescribe a
standardized approach for risk weightings that expand the risk&#8209;weighting
categories from the current four&nbsp;Basel 1&#8209;derived categories (0%,
20%, 50%, and 100%) to a larger and more risk&#8209;sensitive number of
categories, depending on the nature of the assets, and resulting in higher risk
weights for a variety of asset classes.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mortgage Banking
Regulations</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank originates FHA&#8209;insured
and VA&#8209;guaranteed mortgages that are primarily securitized for issuance
of GNMA mortgage&#8209;backed securities, which can be sold to individuals or
institutional investors in the secondary market. Conventional loans that meet
the underwriting requirements for sale or exchange under standard FNMA or FHLMC
programs are sold to FNMA or FHLMC. The Bank is an approved issuer of GNMA,
FNMA, and an approved seller/servicer of FHLMC mortgage&#8209;backed securities
and as such is subject to the applicable regulations, policies, and procedures
of such entities.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mortgage origination
activities are subject among others to: the Equal Credit Opportunity Act, the
Federal Truth&#8209;in&#8209;Lending Act, The Real Estate Settlement Procedures
Act, and the regulations promulgated there under. The Bank is also subject to
the regulation of the Puerto Rico Commissioner with respect, to among other
things, licensing requirements, and maximum origination fees on certain types
of products.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(23)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fair Value Measurement</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">ASC 820&#8209;10&#8209;35
defines fair value as the exchange price that would be received for an asset or
paid to transfer a liability (exit price) in an orderly transaction between
market participants on the measurement date. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In accordance with the fair
value hierarchy in ASC 820&#8209;10&#8209;35, it is the Bank&#8217;s intent to
maximize the use of observable inputs and minimize the use of unobservable
inputs when developing fair value measurements.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fair value measurements for
assets and liabilities with limited or no observable market data are based
primarily upon the Bank&#8217;s estimates often calculated based on the economic and
competitive environment, the characteristics of the asset or liability, and
other such factors. Therefore, the results cannot be determined with precision
and may not be realized in an actual sale or immediate settlement of the asset
or liability. Additionally, there may be inherent weaknesses in any calculation
technique, and changes in the underlying assumptions used, including discount
rates and estimates of future cash flows, that could significantly affect the
results of current or future values.</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank&#8217;s consolidated financial statements include various financial
instruments and other nonfinancial assets, which are carried at fair value on a
recurring basis. The following tables provide information as of October 31,
2019 and 2018, about the Bank&#8217;s financial assets and liabilities measured at
fair value on a recurring basis:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=41% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fair
  value measurement October 31, 2019</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Quoted</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">prices
  in</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">active</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Significant</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">markets
  for</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">other</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Significant</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">identical</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">observable</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">unobservable</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Carrying</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">assets</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">inputs</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">inputs</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Level
  1)</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Level
  2)</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Level
  3)</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=56% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(In
  thousands)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=40% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Assets and (liabilities):</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Investment securities available</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">for sale</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">655,357&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">466,610 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">185,376&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,371&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">40,527&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">40,527&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives &#8211; forward settlement</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">swaps</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">131 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">131 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">696,015 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">466,610 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">185,507&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">43,898 &nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:4.5pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=41% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fair
  value measurement October 31, 2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Quoted</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">prices
  in</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">active</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Significant</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">markets
  for</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">other</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Significant</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">identical</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">observable</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">unobservable</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Carrying</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">assets</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">inputs</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">inputs</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Level
  1)</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Level
  2)</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(Level
  3)</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=56% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(In
  thousands)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=40% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Assets and (liabilities):</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Investment securities available</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">for sale</font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,122,932&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">896,083 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">223,265&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">3,584&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">45,138&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">45,138&#160; </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=36% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Derivatives &#8211; forward settlement</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">swaps</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,912 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,912 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,169,982 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">896,083 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">225,177&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">48,722 &nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>


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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_68"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following tables present the changes in Level&nbsp;3 assets and
liabilities measured at fair value on a recurring basis for the years ended
October 31, 2019 and 2018:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=51% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">securities</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">available
  for</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">sale</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">assets</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=51% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(In
  thousands)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=45% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level 3 instruments only:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=41% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,584 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;
  &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;45,138 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  48,722 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=45% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total gains (losses) (realized/unrealized):</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Included in earnings</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,306)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (6,306)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Included in other comprehensive loss</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  502 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  502 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=41% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchases, sales, issuances, and</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">settlements (net)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (715)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (715)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=41% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing assets that result from the</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">transfer of financial assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,695 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,695 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at end of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,371 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  40,527 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  43,898 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=51% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Investment</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">securities</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">available
  for</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">sale</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">assets</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=21% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=51% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(In
  thousands)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=45% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level 3 instruments only:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=41% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at beginning of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,063 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  43,239 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  46,302 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=45% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Total gains (losses) (realized/unrealized):</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Included in earnings</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,138)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,138)</font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Included in other comprehensive loss</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,201 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,201 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=41% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Purchases, sales, issuances, and</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">settlements (net)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (680)</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,500 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  820 </font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=41% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Servicing assets that result from the</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:13.15pt;">
  <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=37% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">transfer of financial assets</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,537 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="height:13.15pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  1,537 </font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Balance at end of year</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  3,584 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  45,138 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=15% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  48,722 </font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Additionally, the Bank
measures certain assets at fair value in periods subsequent to initial
recognition on a nonrecurring basis. The adjustments to fair value for these
assets usually result from the application of lower of cost or market
accounting, or the identification of impaired loans requiring specific reserves
under ASC 310&#8209;10&#8209;35. The assets measured at fair value on a
nonrecurring basis as of October 31, 2019 and 2018 are summarized below:</font></p>


<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=42% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fair
  value measurement as of</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level
  3</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=42% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October
  31, 2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Losses</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded
  at</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level
  1</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level
  2</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level
  3</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">year
  end</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=58% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(In
  thousands)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=4 nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Assets:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=34% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  13,423 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=8 nowrap valign=bottom width=50% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impaired commercial loans that are&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=34% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">considered collateral dependant</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  11,173 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (1,541)</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">OREO</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  21,228 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (972)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  13,423 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  32,401 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (2,513)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=42% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Fair
  value measurement as of</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level
  3</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=5 nowrap valign=bottom width=42% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">October
  31, 2018</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Losses</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">recorded
  at</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level
  1</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level
  2</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Level
  3</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">year
  end</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=58% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(In
  thousands)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=4 nowrap valign=bottom width=16% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Assets:</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=34% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Mortgage loans held for sale</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  20,464 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=8 nowrap valign=bottom width=50% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Impaired commercial loans that are&#160;&#160;&#160; </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=34% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">considered collateral dependant</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;
  &#160;21,131 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (4,987)</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">OREO</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  28,328 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (4,878)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=14% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  20,464 </font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;
  49,459 </font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border-bottom:double windowtext 2.25pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  (9,865)</font></p>
  </td>
 </tr>
</table></div>



<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Following is a description of
the Bank&#8217;s valuation methodologies used for financial instruments measured at
fair value. The disclosure requirements exclude certain financial instruments
and all nonfinancial instruments either in a recurring or nonrecurring basis.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Investment Securities
Available for Sale</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; The fair value
of investment securities is based on quoted market prices, when available, or
market prices provided by recognized broker dealers. If listed prices or quotes
are not available, fair value is based upon externally developed models that
use both observable and unobservable inputs depending on the market activity of
the instrument. Pricing estimates are derived in some instances from matrix
pricing and agreed to by management. To help determine fair value pricing
reasonability, various processes and controls have been adopted, which include
a periodic review and substantiation of gains or losses realized for all traded
transactions. The Bank&#8217;s investment securities portfolio is mostly comprised of
US Treasury securities and mortgage-backed securities. These investments are
classified as Level 1 and Level 2, respectively.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank has an obligation of
Puerto Rico and political subdivisions that its estimated fair value is
determined by using a third&#8209;party cash flow valuation model to calculate
the present value of projected future cash flows. The assumptions, which are
highly uncertain and require a high degree of judgment, include primarily
market discount rates, current spreads, duration, leverage, default, and loss
rates. The external&#8209;based valuation, which is obtained at least on a
quarterly basis, is analyzed and its assumptions are evaluated. This security
is classified as Level&nbsp;3.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Servicing Assets</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; The Bank routinely originates, securitizes, and
sells mortgage loans into the secondary market. As a result of this process,
the Bank typically retains the servicing assets. Servicing assets retained in a
sale or securitization arises from contractual agreements between the Bank and
investors in mortgage securities and mortgage loans. The Bank records mortgage
servicing assets at fair value on a recurring basis. Considerable judgment is
required to determine the fair value of the Bank&#8217;s servicing assets. Unlike
highly liquid investments, the market value of servicing assets cannot be
readily determined because these assets are not actively traded. The Bank
engages a third&#8209;party </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>


<p style="margin:0in;margin-bottom:.0001pt;mso-line-height-rule:exactly;mso-pagination:widow-orphan no-line-numbers;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:.7pt;">&nbsp;</font></p>


</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_70"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">specialist to assist with
the valuation of the entire servicing portfolio (governmental, conforming, and
nonconforming portfolios). The fair value of the servicing assets is determined
based on a combination of market information on trading activity (servicing
asset trades and broker valuations), benchmarking of servicing assets
(valuation surveys), and cash flow modeling. The valuation of the Bank&#8217;s
servicing assets incorporates market derived assumptions for discount rates,
servicing costs, escrow earnings rate, float earnings rate, and cost of funds
and market derived assumptions for escrow balances, delinquencies and
foreclosures, late fees, prepayments, and prepayment penalties. Fair value
measurements of servicing assets use significant unobservable inputs and,
accordingly, are classified as Level&nbsp;3.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Derivatives</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; Substantially, all of the Bank&#8217;s derivatives are
traded in over&#8209;the&#8209;counter markets where quoted market prices are
not readily available. The derivative portfolio consists of interest rate swaps
to hedge commercial loans and forward settlement swaps</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Interest rate swaps and floors
are used to modify interest characteristics of various financial instruments.
Fair value is obtained from a cash flow model. This value represents the
estimated amount the Bank would receive or pay to terminate the contracts or
agreements at the reporting date, taking into account current interest rates
and, when appropriate, the current creditworthiness of the contract
counterparties. Interest rate swaps and floors are classified as Level&nbsp;2.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mortgage Loans Held for
Sale</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; Mortgage loans held for sale
are carried at the lower of net cost or market value on an aggregate&#8209;portfolio
basis. The amount, by which cost exceeds market value, if any, is accounted for
as a loss through a valuation allowance. The market value of mortgage loans
held for sale is generally based on quoted market prices for mortgage&#8209;backed
securities adjusted by particular characteristics like guarantee fees,
servicing fees, actual delinquency, and the credit risk associated to the
individual loans. Loans held for sale are classified as Level&nbsp;2.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Impaired Commercial and
Construction Loans That Are Considered Collateral Dependent</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; The Bank does not record loans receivable at fair
value on a recurring basis. However, from time to time, the Bank records
nonrecurring fair value adjustments to collateral dependent loans to reflect
(1)&nbsp;partial write&#8209;downs that are based on the fair value of the
collateral in accordance with GAAP or (2)&nbsp;the full charge&#8209;off of the
loan carrying value. The impairment is measured based on the fair value of the
collateral less estimated costs to sell. The fair value of the collateral is
derived from appraisals that take into consideration prices in observed
transactions involving similar assets in similar locations, in accordance with
the provisions of ASC 310&#8209;10&#8209;35. Currently, the associated loans
considered impaired are classified as Level&nbsp;3.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">OREO</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; OREO includes foreclosed real estate properties
that served as collateral for residential mortgage and commercial loans. The
fair value of OREO is determined using external appraisals that take into
consideration prices in observed transactions involving similar assets in
similar locations adjusted by expected historical realization of similar
properties. OREO is classified as Level&nbsp;3.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The carrying
amount and estimated fair value of the Bank&#8217;s financial instruments excluding
those carried at fair value on a recurring basis at October&nbsp;31, not
previously presented, are as follows:</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:5.4pt;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=28% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2019</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=3 nowrap valign=bottom width=25% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2018</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Carrying</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Estimated</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Carrying</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Estimated</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">fair
  value</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">value</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">fair
  value</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=31% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(In
  thousands)</font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=25% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">(In thousands)</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Financial assets:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=37% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Cash and cash equivalents</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">662,470 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">662,470 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">348,346 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">348,346 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=37% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Restricted time deposits</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">400 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">400 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">400 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">400 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=8 nowrap valign=bottom width=53% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Loans receivable (excluding loans held</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">for sale)</font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,980,049 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">1,991,076 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,257,135 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,271,854 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=7 nowrap valign=bottom width=40% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">FDIC loss share indemnification asset</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">38,200 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">65,972 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=37% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued interest receivable</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6,314 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">6,314 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,849 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,849 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td colspan=7 nowrap valign=bottom width=41% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Financial liabilities:</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=2% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:20.1pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=4 nowrap valign=bottom width=16% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Deposits</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=17% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,663,351 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,680,190 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,942,761 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">2,938,751 &nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=4% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=6 nowrap valign=bottom width=37% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">Accrued interest payable</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,869 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,869 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=11% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,052 &nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td nowrap valign=bottom width=12% style="height:12.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face=Arial,sans-serif lang=EN-CA style="font-size:10.0pt;">8,052 &nbsp;</font></p>
  </td>
 </tr>
</table></div>



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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Following
is a description of valuation methodologies and assumptions used to estimate
fair value of other significant financial instruments as of October 31, 2019
and 2018:</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Short&#8209;term financial
instruments</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; Cash and cash
equivalents, accrued interest receivable, accrued interest payable, and
restricted time deposits have been valued at the carrying amounts reflected in
the consolidated balance sheets as these are reasonable estimates of fair value
given the relatively short period of time between origination of the
instruments and their expected realization.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans receivable</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; Loans were classified by type such as residential
mortgage loans, construction, commercial real estate, commercial nonreal
estate, leases, and consumer loans. The fair value of the loan portfolio is
estimated by segregating by the above&#8209;mentioned type and each loan
category is further segmented into fixed and adjustable interest rates and by
performing and nonperforming categories. The fair value of performing loans is
calculated by discounting contractual cash flows, adjusted for prepayment
estimates, if any, using estimated current market discount rates that reflect
the credit and interest rate risk inherent in the loan. This estimate may not
represent an exit value as defined in ASC 820.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">FDIC loss share
indemnification asset</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; Certain
assets acquired related to the R&#8209;G acquisition are subject to loss&#8209;share
agreements with the FDIC, which include certain covered assets. Under the loss&#8209;share
agreements, the FDIC is obligated to reimburse the Bank for losses with respect
to covered assets; loss share coverage begins with the first&nbsp;dollar of
loss incurred. The fair value of the FDIC loss share indemnification asset was
estimated using projected cash flows related to the loss&#8209;share agreements
based on the expected reimbursements from the FDIC for losses and the
applicable loss sharing percentages. These expected reimbursements do not
include reimbursable amounts related to future covered expenditures. The
expected cash flows related to the FDIC&#8217;s indemnification asset are discounted
at a rate determined using a risk&#8209;free yield curve plus a premium
reflecting the uncertainty related to the timing of cash flows.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.0pt;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Deposits</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8211; The fair value of deposits with no stated maturity,
such as noninterest&#8209;bearing checking, savings and NOW accounts, is equal
to the amount payable on demand. The fair value of fixed maturity accounts is
based on the discounted value of contractual cash flows. The discount rate is
estimated using the rates currently offered for deposits with similar remaining
maturities.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Limitations</font></i></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fair
value estimates are made at a specific point in time, based on relevant market
information and information about the financial instruments. These estimates do
not reflect any premium or discount that could result from offering for sale at
one&nbsp;time the Bank&#8217;s entire holdings of a particular financial instrument.
Because no market exists for a significant portion of the Bank&#8217;s financial
instruments, fair value estimates are based on judgments regarding future
expected loss experience, current economic conditions, risk characteristics of
various financial instruments, and other factors. These estimates are
subjective in nature and involve uncertainties and matters of significant
judgment and, therefore, cannot be determined with precision. Changes in
assumptions could significantly affect the estimates. In addition, the fair
values presented do not attempt to estimate the value of the Bank&#8217;s fee
generating businesses and anticipated future business activities; that is, they
do not represent the Bank&#8217;s value as a going concern. Furthermore, the
differences between the carrying amounts and the fair values presented may not
be realized because, in many cases, the Bank generally intends to hold these
financial instruments to maturity and realize the recorded values. Reasonable
comparability of fair values among financial institutions is not likely due to
the wide range of permitted valuation techniques and numerous estimates that
must be made in the absence of secondary market prices. This lack of objective
pricing standards introduces a greater degree of subjectivity to these derived
or estimated fair values. Therefore, while disclosure of estimated fair values
of financial instruments is required, readers are cautioned in using this data
for purposes of evaluating the financial condition of the Bank.</font></p>

<p style="margin-bottom:7.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:-27.35pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">(24)</font></b><b><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Subsequent Events</font></b></p>

<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On
November 2019, the Board of Directors declared a cash dividend of approximately
$200,000 on preferred stock and a cash dividend of approximately $18.6MM on
common stock payable to Bank&#8217;s sole shareholder. All dividends were paid during
November 2019.</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On
December 11, 2019, Oriental Bank received regulatory approvals to purchase the
shares of the Bank per the Agreement signed on June 26, 2019.</font></p>


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 <p style="border:none;margin:0in;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font color=gray face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;line-height:115%;">Click here to enter text.</font><font face=Calibri,sans-serif style="border:none;mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-fareast-font-family:Calibri;mso-fareast-language:EN-US;">&nbsp;</font><font face=Calibri,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On December 12, 2019, the Bank redeemed its preferred
shares and made a distribution of capital amounting to $3.3 million and $196.7
million, respectively, to the Bank&#8217;s sole shareholder which was subject to
regulatory approvals of the Agreement. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On
December 31, 2019, Oriental Bank executed the purchase of the shares of the
Bank and immediately after the Bank was merged into Oriental Bank, with
Oriental Bank continuing as the surviving entity. Proceeds from the sale
amounted to $550.0 million for purchase of shares by Oriental.&#160; As a result of
this transaction, plan pension assets and liabilities for the U.S. Pension Plan
and postretirement were transferred to BNS. For defined contribution plan, the
Retirement Plan for Employees of Scotiabank de Puerto Rico, Oriental would
become the successor plan sponsor and take over its administration or would
request termination of the plan and designate a tax-qualified defined
contribution retirement plan that will cover continuing employees. </font></p>

<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Management
has evaluated events subsequent to October 31, 2019 and prior to the filing of
these consolidated financial statements through January 30, 2020.&#160; </font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:10.0pt;margin-left:27.35pt;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>4
<FILENAME>ofg8kaex992.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>

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<title>ORIENTAL FINANCIAL GROUP INC</title>


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<p align=right style="background:white;margin:0in;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="background:white;font-size:10.0pt;">Exhibit 99.2</font></b></p>

<p align=center style="background:white;margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></b></p>

<p align=center style="background:white;margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">OFG BANCORP</font></b></p>

<p align=center style="background:white;margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">UNAUDITED PRO
FORMA CONDENSED COMBINED FINANCIAL INFORMATION</font></b></p>

<p align=center style="background:white;margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">On December 31, 2019, Oriental
purchased from The Bank of Nova Scotia (&#8220;BNS&#8221;) all outstanding common stock of
Scotiabank de Puerto Rico for an aggregate purchase price of $550.0 million,
subject to settlement amounts as described herein. Immediately following the
closing, Oriental merged Scotiabank de Puerto Rico with and into Oriental Bank,
with Oriental Bank continuing as the surviving entity (the &#8220;SBPR Acquisition&#8221;).
Oriental Bank also acquired the U.S. Virgin Islands banking operations of BNS
through an acquisition of certain assets (including loans, ATMs and physical
branch locations) and an assumption of certain liabilities (including deposits)
for their net book value plus a $10.0 million premium on deposits (the &#8220;USVI
Acquisition&#8221;). In addition, Oriental acquired certain loans and assumed certain
liabilities, from BNS&#8217;s Puerto Rico branch for their net book value (the &#8220;PR
Branch Acquisition&#8221; and, together with the SBPR Acquisition and the USVI
Acquisition, the &#8220;Scotiabank PR &amp; USVI Acquisition&#8221;). The audited
consolidated balance sheet in Oriental&#8217;s Annual Report on Form 10-K for the
fiscal year ended December 31, 2019 contemplates the effect of the Scotiabank
PR &amp; USVI Acquisition.</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">The unaudited pro forma
condensed combined statements of operations for the year ended December 31,
2019 only take into account the SBPR Acquisition (as permitted by a waiver
granted by the Securities and Exchange Commission) and assume that the SBPR
Acquisition occurred on January 1, 2019. The unaudited pro forma condensed combined
financial information presented herein is derived from, and should be read in
conjunction with, the consolidated financial statements of Oriental for the
year ended December 31, 2019 included in Oriental&#8217;s Annual Report on Form 10-K
for the fiscal year ended December 31, 2019 and the audited financial
statements of Scotiabank de Puerto Rico as of and for the three years ended
October 31, 2019 included herein.</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">The unaudited pro forma
condensed combined financial information includes pro forma adjustments that
are both factually supportable and directly attributable to the SBPR
Acquisition. The unaudited pro forma condensed combined statements of
operations only include pro forma adjustments that are expected to have a
continuing impact on the results of operations of Oriental subsequent to the
closing of the SBPR Acquisition. Accordingly, the merger and restructuring
charges incurred during the year ended December 31, 2019 amounting to $24.1
million were adjusted to the pro-forma as a decrease to other expenses. These
one-time charges were determined to be material nonrecurring charges that are
not expected to have a continuing impact.</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The unaudited pro
forma condensed combined statement of operations was prepared in conformity
with accounting principles generally accepted in the United States of America
(&#8220;GAAP&#8221;) in accordance with Financial Accounting Standards Board (&#8220;FASB&#8221;)
Accounting Standards Codification (&#8220;ASC&#8221;) Topic 805 &#8212; Business Combinations.
Certain amounts in the Scotiabank de Puerto Rico historical financial
statements have been reclassified to conform to classifications used by
Oriental.</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="background:white;margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The unaudited pro
forma condensed combined statements of operations for the year ended December
31, 2019 as presented herein include a description of the pro forma adjustments
necessary to prepare such unaudited pro forma condensed combined financial
statements. The pro forma financial information is presented for illustrative
purposes only and is not necessarily indicative of (i) the results of
operations and financial position that would have been achieved had the
transaction taken place on the dates indicated or (ii) the future operations of
the combined companies. The information should be relied on only for the
limited purpose of presenting what the results of operations and financial
position of the combined businesses of Oriental and SBPR might have looked like
had the acquisition occurred at a date prior to December 31, 2019 based on the
assumptions presented herein.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:12.0pt;">&nbsp;</font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=12 nowrap valign=bottom width=95% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Unaudited Pro
  Forma Condensed Combined Statement of</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=12 nowrap valign=bottom width=95% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Operations
  for the Year Ended December 31, 2019</font></b></p>
  </td>
 <td nowrap width=2% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.5pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=31% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=2% style="height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:48.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:48.0pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:48.0pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=bottom width=13% style="border:none;border-bottom:solid black 1.0pt;height:48.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">ORIENTAL</font></b></p>
  </td>
 <td valign=bottom width=4% style="border:none;height:48.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=bottom width=13% style="border:none;border-bottom:solid black 1.0pt;height:48.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">SBPR</font></b></p>
  </td>
 <td valign=bottom width=4% style="border:none;height:48.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=bottom width=13% style="border:none;border-bottom:solid black 1.0pt;height:48.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">PRO FORMA
  ADJUSTMENTS</font></b></p>
  </td>
 <td valign=bottom width=4% style="border:none;height:48.0pt;padding:0in 0in 0in 0in;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=bottom width=13% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:48.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">PRO FORMA
  COMBINED ORIENTAL</font></b></p>
  </td>
 <td nowrap width=2% style="border:none;height:48.0pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=11 valign=top width=64% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(In
  thousands)</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Interest income:</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Loans</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">339,875</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">131,612</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(28,488)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">A</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">442,999</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Investments</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">33,920</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">31,722</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">65,642</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Total interest income</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">373,795</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">163,334</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(28,488)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">508,641</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Interest expense:</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Deposits</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">39,355</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">17,983</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">8,380</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">B, C</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">65,718</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Securities sold under agreements
  to repurchase</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">7,423</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">7,423</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other borrowed funds</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">2,212</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">2,212</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Subordinated capital notes</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">2,012</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">2,012</font></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Total interest expense</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">51,002</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">17,983</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">8,380</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">77,365</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Net interest income</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">322,793</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">145,351</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(36,868)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">431,276</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Provision for loan and lease losses, net</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">96,792</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(13,175)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">83,617</font></b></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:25.5pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:25.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=31% style="background:#A7E8FF;border:none;height:25.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Net interest income after provision for
  loan </font></b></p>
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160; and lease losses</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">226,001</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:25.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">158,526</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:25.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(36,868)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:25.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:25.5pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">347,659</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:25.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Non-interest income</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">82,493</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">89,760</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">172,253</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Non-interest expense:</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
  - </font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Compensation and employee
  benefits</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">82,532</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">53,443</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">135,975</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Occupancy and equipment</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">30,053</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">14,268</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">44,321</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Electronic banking charges</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">21,244</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">23,146</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">44,390</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Professional services</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">14,629</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">10,372</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">25,001</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Loss on sale of foreclosed real
  estate, other</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; repossessed assets and credit
  related expenses</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">11,499</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">7,722</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">19,221</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Other</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">73,287</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">5,871</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(21,546)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">D, E</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">57,612</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Total non-interest
  expense</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">233,244</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">114,822</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(21,546)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">326,520</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Income before income taxes</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">75,250</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">133,464</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(15,322)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">193,392</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160; &#160;&#160;&#160;&#160;&#160;&#160;Income tax expense</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">21,409</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">44,418</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(5,746)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">F</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">60,081</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Net income</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">53,841</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">89,046</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(9,576)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">133,311</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160; &#160;&#160;&#160;&#160;&#160;&#160;Less: Dividends on preferred
  stock</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(6,512)</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(6,512)</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.5pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:13.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Income available to common shareholders</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">47,329</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">89,046</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">(52,190)</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:double black 2.25pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:13.5pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">84,185</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:13.5pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:13.5pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Income per common share:</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-right:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Basic</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">0.92</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">0.72</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">1.64</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Diluted</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">0.92</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">0.71</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">$</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">1.63</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Average common shares outstanding</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">51,335</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">51,335</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="border:none;border-right:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=31% style="background:#A7E8FF;border:none;height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Average common shares outstanding and
  equivalents</font></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">51,719</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">-</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="background:#A7E8FF;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="background:#A7E8FF;border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0in 0in 0in 0in;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:#A7E8FF;border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:12.75pt;padding:0in 5.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">51,719</font></b></p>
  </td>
 <td nowrap valign=bottom width=2% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:13.5pt;page-break-inside:avoid;">
  <td nowrap width=3% style="border:none;border-right:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=31% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=4% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap valign=bottom width=3% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid black 1.0pt;border-top:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=2% style="border:none;height:13.5pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=31% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=4% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td nowrap width=3% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="border:none;height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=2% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=31% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=2% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:12.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><b><u><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Statement of operations pro forma
  adjustments for the year ended December 31, 2019</font></u></b></p>
  </td>
 <td nowrap width=31% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=4% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=3% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=10% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=2% style="height:12.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:99.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:99.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">A</font></b></p>
  </td>
 <td colspan=12 valign=bottom width=95% style="height:99.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Interest income has been adjusted to
  reflect the amortization of the accounting adjustment related to the
  difference between the fair value of acquired loans and the loans&#8217; par value.
  These loans will be accounted for either under the provisions of ASC 310-30
  or ASC 310-20 based on the credit quality and risk characteristics of the
  acquired loans. The amortization presented herein is based on that
  segregation. Credit losses will reduce future period&#8217;s net income as they are
  incurred. Upon and subsequent to the SBPR Acquisition, with respect to loans
  that are to be accounted under ASC 310-20, we will measure the effects of
  credit losses following the provisions of ASC 310-10 and ASC 450-20 to the
  acquired portfolio of loans. With respect to loans that are to be accounted
  for under the provisions of ASC 310-30, the interest income will accrete from
  the fair value of the acquired loans to the expected cash flows and then the
  credit losses would be based on the changes to such expected cash flows
  subsequent to the acquisition as prescribed in ASC 310-30.</font></p>
  </td>
 <td nowrap width=2% style="height:99.0pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:42.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:42.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">B</font></b></p>
  </td>
 <td colspan=12 valign=bottom width=95% style="height:42.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Interest expense has been adjusted to
  reflect the amortization of the accounting adjustment related to current
  interest rates with respect to deposits being acquired amounting to $2.6
  million. The adjustment relates to the difference between the fair value of
  deposits and their principal amount at maturity. Fair value is amortized over
  12-months on a straight-line basis.</font></p>
  </td>
 <td nowrap width=2% style="height:42.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:27.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:27.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">C</font></b></p>
  </td>
 <td colspan=12 valign=bottom width=95% style="height:27.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Incremental amortization of core deposit
  intangible using sum of the year digits methodology over a useful life of ten
  years amounting to $5.9 million. Includes the reverse of $101 thousand for
  the amortization of core deposit intangible held by SBPR.</font></p>
  </td>
 <td nowrap width=2% style="height:27.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:27.75pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:27.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">D</font></b></p>
  </td>
 <td colspan=12 valign=bottom width=95% style="height:27.75pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Incremental amortization of core
  relationship intangible amounting to $2.3 million and other intangibles
  amounting to $201 thousand, using sum of the year digits methodology over a
  useful life of ten years and three years, respectively.</font></p>
  </td>
 <td nowrap width=2% style="height:27.75pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">E</font></b></p>
  </td>
 <td colspan=12 valign=bottom width=95% style="height:15.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Reversal of merger and restructuring
  charges incurred during the year in relation to the Scotiabank PR &amp; USVI
  Acquisition amounting to $24.1 million.</font></p>
  </td>
 <td valign=bottom width=2% style="height:15.0pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;page-break-inside:avoid;">
  <td nowrap valign=bottom width=3% style="height:15.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">F</font></b></p>
  </td>
 <td colspan=12 valign=bottom width=95% style="height:15.0pt;padding:0in 2.0pt 0in 2.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font color=black face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">Income tax expense assumes an effective
  tax rate of 37.5%, a tax-free merger and an acquisition of shares.</font></p>
  </td>
 <td valign=bottom width=2% style="height:15.0pt;padding:0in 0in 0in 0in;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
</table></div>




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